Compare 2015 Dodge Dart Car Insurance Quotes

Searching for better car insurance rates for your Dodge Dart? Scraping up a payment for overpriced Dodge Dart insurance can bleed your checking account and possibly require postponing other expenditures. Comparing rates annually is recommended to tighten up your finances.

You have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it makes it harder to compare rates.

Get more affordable insurance costs by understanding these factors

Lots of things are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving record, although some other factors are not as apparent like your continuous coverage or your commute time.

  • Gender and insurance coverage prices – The statistics show that men are more aggressive behind the wheel. This data doesn’t prove that males are worse at driving than females. Males and females are in auto accidents at about the same rate, but guys have accidents that have higher claims. Men also get cited for more serious violations such as reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • More traffic means higher claims – Having an address in smaller towns and rural areas of the country can save you money when trying to find low car insurance rates. Drivers who live in large cities have more aggressive driving styles and longer commutes to work. Fewer drivers on the road means fewer accidents in addition to lower liability claims
  • High credit scores save money – A driver’s credit history can be an important factor in calculating your car insurance rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit. So if your credit rating could use some work, you could potentially save money when insuring your 2015 Dodge Dart by spending a little time repairing your credit.
  • Car insurance liability protection limits – Liability coverage kicks in in the event that a court rules you are at fault for physical damage or personal injury to other. It provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Save money by staying claim free – If you file a lot of claims you should expect either higher rates or even cancellation. Companies award most affordable rates to people that do not abuse their auto insurance. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Incidental coverages you don’t use – Policies have additional extra coverages that can waste your money but may not be useful. Coverage for things like replacement cost coverage, towing coverage, and membership fees may not be needed and are just wasting money. They may seem like a good idea at first, but if they’re wasting money think about removing them and cutting costs.
  • Single vs. married – Having a wife or husband may save some money on your car insurance bill. Marriage may mean you are more mature and statistics show being married results in fewer claims.
  • Vehicles with better crash test results means cheaper rates – Cars with five star safety ratings are cheaper to insure. Safer cars reduce injuries and better occupant protection means less claims paid and thus lower rates.

How to compare car insurance rate quotes

The are a couple different ways to compare rate quotes from different insurance companies. The best method to compare 2015 Dodge Dart insurance prices is to jump online and get quotes. This can be accomplished using a couple different methods.

  • The best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This quick form prevents you from having to do separate quotation requests for every car insurance company. One simple form gets prices estimates instantly.
  • A less efficient way to get quotes online consists of visiting the website for every company you want to comare to complete their respective quote request forms. For example, let’s say you want to compare prices for State Farm, Allstate and Farmers. In order to compare rates, you need to spend time on each company’s site and punch in your information repeatedly, which can get rather old.

    For a list of links to companies insuring cars in your area, click here.

  • The last way to compare price estimates is driving to each insurance agency near you. Quoting online has made agencies unnecessary unless your situation requires the professional assistance that only a licensed agent can provide. If you prefer, some companies allow you to compare the best prices online and still use a local agent.

How you compare quotes is your choice, just be sure to compare apples-to-apples coverage limits and deductibles on every quote. If you compare different values for each quote you can’t possibly make an equal comparison. Even a minor difference in insurance coverages may result in a large different in cost. Keep in mind that comparing more company’s prices will improve the odds of getting the best rates.

Slick advertising tricks that work

Insurance coverage companies such as State Farm and Allstate seem to constantly run television, radio, and online ads. They all have a common claim that drivers will save a bundle if you move your insurance coverage policy to them. How does every insurance coverage company charge you less for car insurance?

All the different companies can use profiling for the type of driver that earns them a profit. An example of a profitable insured may need to be between the ages of 30 and 50, has never had a claim, and has excellent credit. A propective insured who matches those parameters will get very good car insurance rates and as a result will probably save a lot of money.

Drivers who don’t qualify for these standards will be quoted more expensive rates and the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently claim big savings. Because each company has a different risk profile, you need to compare free insurance coverage quotes often. It’s just not possible to know which insurance companies will have the best car insurance rates for your profile.

Save with these money-saving discounts

Not too many consumers would say insurance coverage is affordable, but there could be available discounts to reduce the price significantly. Certain credits will be shown when you purchase, but lesser-known reductions have to be asked about in order for you to get them. If you aren’t receiving every discount available, you could be paying more than you need to.

  • Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on the same insurance coverage policy can get a discount for every vehicle.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Low Mileage Discounts – Low annual miles may enable drivers to earn slightly better insurance coveragerates than normal.
  • Paperless Signup – A few larger online companies will give you a small discount shop insurance coverage on the web.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Claim-Free Discount – Good drivers with no accidents pay less as compared to insureds who have frequent claims or accidents.
  • Anti-lock Brake System – Cars with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Policy Bundle Discount – If you can combine your auto and home policy with the same insurance company you may save at least 10% off all policies.

A quick disclaimer, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will lower your overall premium however.

Larger insurance coverage companies and a summarized list of policyholder discounts include:

  • State Farm may include discounts for safe vehicle, driver’s education, Drive Safe & Save, student away at school, passive restraint, good driver, and defensive driving training.
  • Progressive offers discounts including multi-policy, homeowner, continuous coverage, online quote discount, multi-vehicle, online signing, and good student.
  • Progressive may offer discounts for continuous coverage, good student, multi-policy, multi-vehicle, homeowner, online quote discount, and online signing.
  • MetLife has savings for multi-policy, good driver, good student, defensive driver, and claim-free.
  • Farm Bureau may have discounts that include multi-vehicle, 55 and retired, multi-policy, youthful driver, safe driver, driver training, and renewal discount.
  • GEICO policyholders can earn discounts including federal employee, driver training, daytime running lights, good student, and defensive driver.
  • SAFECO offers discounts for accident prevention training, drive less, teen safe driver, multi-car, bundle discounts, anti-theft, and safe driver.

If you are trying to find cheap insurance coverage quotes, ask every prospective company to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. To find insurance companies who offer discounts, click here to view.

Do I need special coverages?

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • When would I need additional glass coverage?
  • Am I covered if I wreck a rental car?
  • When should I drop full coverage on my 2015 Dodge Dart?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I buy a commercial auto policy?
  • Can I rent a car in Mexico?
  • Am I getting all the discounts available?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Educate yourself about car insurance coverages

Having a good grasp of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2015 Dodge Dart.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability – This provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, medical services, funeral expenses, emergency aid and loss of income. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage, hitting a bird, damage from a tornado or hurricane and a broken windshield. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance pays for damage to your Dart from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole, driving through your garage door, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for prosthetic devices, doctor visits and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

The bottom line

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

We covered many tips how you can get a better price on 2015 Dodge Dart insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable insurance coverage. Drivers may discover the biggest savings come from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

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