Cheaper 2015 Dodge Dart Car Insurance Cost

Looking for cheaper insurance coverage rates for your Dodge Dart? Finding cheaper insurance for a new or used Dodge Dart can be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier. There is a right way and a wrong way to shop for insurance coverage and we’ll show you the best way to quote coverages for your Dodge and locate the lowest possible price.

Smart consumers take time to price shop coverage before your policy renews because insurance coverage prices are usually higher with each renewal. Even if you think you had the lowest quotes on Dart insurance six months ago you may be paying too much now. There are a lot of ways to save on insurance coverage on the internet, but you can learn some good information on how to quit paying high insurance coverage rates.

Free insurance coverage price quotes

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use online quoting to achieve your goal.

Many of the larger companies participate in an industry program where prospective buyers only type in their quote data once, and each company then gives them pricing based on that information. This prevents consumers from doing form submissions for each company.

To get comparison pricing now click here (opens in new window).

The one downside to using this type of system is you cannot specify which providers to receive prices from. So if you want to select individual companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

The method you choose is up to you, but make sure you are using equivalent information for each price quote. If you enter differing limits it’s not possible to get a fair rate comparison.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads that claim the cheapest auto insurance rates by State Farm, Geico and Progressive. All the companies tend to make the same promise that you’ll save big after switching your policy.

How does every car insurance company say the same thing? It’s all in the words they use.

Most companies have a certain “appetite” for the type of insured that will most likely be profitable. A good example of a profitable insured should be a mature driver, has never had a claim, and chooses high deductibles. Any customer that hits that “sweet spot” will get the preferred prices and will save when switching.

Drivers who fall outside these stringent criteria will see more expensive rates and this results in the customer not buying. The trick is to say “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s why insurance companies can confidently lure you into getting a quote. This illustrates why it is so important to get insurance coverage quotes as often as possible. It is impossible to guess the company that will have the lowest rates for your situation.

Why informed drivers pay less for Dodge Dart insurance

Smart consumers have a good feel for some of the elements that aid in calculating your policy premiums. If you know what impacts premium levels, this helps enable you to make changes that will entitle you to big savings.

• Gender matters – Statistics have proven that females take fewer risks when driving. However, this does not mean women are better drivers. Both genders cause auto accidents at about the same rate, but the male of the species have accidents that have higher claims. Men also get more serious tickets such as reckless driving.
• Vehicle options that cut prices – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft and help bring rates down.
• Where you reside plays a part – Residing in a rural area can be a good thing if you are looking for the lowest rates. Fewer drivers on the road corresponds to lower accident rates as well as less vandalism and auto theft. People who live in big cities regularly have more road rage incidents and longer commute times. More time on the road means more chances of being involved in an auto accident.
• Job impacts rates – Did you know your career choice can influence rates? Occupations like doctors, architects and emergency personnel tend to have higher rates than the rest of us in part from intense work situations and incredibly demanding work hours. On the flip side, jobs like scientists, engineers and retirees get better rates on Dart insurance.
• Allowing your auto insurance to lapse raises prices – Not maintaining insurance can get you a ticket and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a license revocation or jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Verify you’re applying every discount

Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but occassionally some discounts must be asked for before they will apply.

• Drivers Education – Require your teen driver to complete a driver education course in school or through a local driver safety program.
• Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save up to 15% off the medical payments premium.
• Professional Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your policy.
• Accident Forgiveness – but some insurance companies will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
• Multi-car Discount – Having multiple cars on one policy can reduce rates for all insured vehicles.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurance companies with the best auto insurance discounts, click here to view.

When should I discuss my situation with an agent?

When choosing proper insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you may require specific advice.

• Do I need roadside assistance coverage?
• Does my 2015 Dodge Dart qualify for pleasure use?
• Does my insurance cover my expensive audio equipment?
• When would I need additional glass coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered if my car is in a flood?
• How many claims can I have before being cancelled?
• What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision – Collision coverage pays for damage to your Dart from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, backing into a parked car, crashing into a building, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, hitting a bird and fire damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as surgery, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2015 Dodge Dart.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage – Liability insurance can cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like loss of income, bail bonds, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage on a shoestring budget

There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies provide coverage only through local independent agents. Cost effective 2015 Dodge Dart insurance can be bought on the web and with local insurance agents, so you need to compare both to have the best selection.

You just read a lot of ways to compare 2015 Dodge Dart insurance rates online. The key thing to remember is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. Consumers may even find the best rates are with a lesser-known regional company.

When you buy insurance coverage online, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone dropped liability coverage limits only to discover later that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

More information is available at the links below

• State Car Insurance Guides (Geico)
• Collision Insurance Coverage (Nationwide)
• Auto Insurance FAQ (Farmers Insurance)
• Rental Reimbursement Coverage (Allstate)
• Uninsured Motorist Statistics (Insurance Information Insitute)