Compare 2014 Dodge Dart Car Insurance Quotes

Searching for lower insurance coverage rates for your Dodge Dart? Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say many drivers feel the same as you. Because there are so many choices, it can be impossible to pick the lowest cost company.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to save some money using these tips. Drivers only need an understanding of the best way to shop for auto insurance on the web.

You may qualify for discounts

The cost of insuring your cars can be expensive, but there are discounts available that many consumers don’t even know exist. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be inquired about prior to getting the savings. If you do not double check each discount you deserve, you are paying more than you should be.

  • Accident-Free Discounts – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a lower auto insurance rate if you buy some life insurance too.
  • Telematics Discount – Insureds that choose to allow driving data submission to monitor when and where they use their vehicle by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Defensive Driving Course – Taking part in a safe driver class could cut 5% off your bill and easily pay for the cost of the class.
  • Bundled Policy Discount – If you can bundle your auto and home insurance with the same company you may earn at least 10% off all policies.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer are:

  • Farmers Insurance offers premium reductions for business and professional, homeowner, good student, electronic funds transfer, and alternative fuel.
  • Esurance includes discounts for renters, online shopper, good driver, safety device, Pac-12 alumni, anti-theft, and good student.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, good student, accident-free, good driver, and Drive Safe & Save.
  • GEICO offers discounts for driver training, daytime running lights, multi-vehicle, air bags, anti-theft, and multi-policy.
  • Allstate has savings for utility vehicle, defensive driver, resident student, senior citizen, and premier plus.

Double check with each company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in your area. If you would like to choose from a list of insurers with discount rates, click here to view.

There’s no such thing as the perfect insurance policy

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can aid in determining if you will benefit from professional help.

  • Where can I find high-risk insurance?
  • Should I have combined single limit or split liability limits?
  • Are my friends covered when driving my car?
  • Can I get a multi-policy discount?
  • What if I owe more than I can insure my car for?
  • How much can I save by bundling my policies?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Don’t believe everything you hear

Drivers can’t get away from ads for cheaper insurance by GEICO, State Farm and Progressive. They all seem to have a common claim that drivers can save some big amount if you get a free insurance coverage quote and switch your policy.

How does every company give you a better price? Just pay attention to how they say it.

All companies have a preferred profile for the type of customer that will be a good risk. A good example of a profitable risk profile may be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. Anyone who matches that profile receive the lowest rate quotes and is almost guaranteed to save quite a bit of money when switching.

People who don’t qualify for these criteria will have to pay a higher premium which results in the customer buying from a different company. The ad wording is “drivers that switch” not “all people who quote” can get the lowest rates when switching. That is how companies can lure you into getting a quote. Different companies use different criteria so you absolutely need to quote coverage with many companies. It is just not possible to predict which insurance company will provide the lowest car insurance rates.

Insurance specifics

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Dart.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision coverage

This covers damage to your Dart caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like prosthetic devices, nursing services, rehabilitation expenses, chiropractic care and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, theft, damage from a tornado or hurricane, hail damage and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Have money to burn

You just read quite a bit of information on how to reduce 2014 Dodge Dart insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of getting cheap insurance coverage. Drivers may discover the lowest priced insurance comes from a smaller regional carrier. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

When shopping online for insurance, never skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits only to regret at claim time that it was a big error on their part. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

A few companies may not offer rate quotes online and many times these small insurance companies prefer to sell through independent insurance agencies. Cheaper 2014 Dodge Dart insurance is possible on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

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