2016 Dodge Dart Insurance Rates

I can’t think of a single person who loves paying for auto insurance, in particular when they could find better prices if they shop around. Since you have so many options, it’s difficult to pick the best company.

You may qualify for discounts

Some insurers don’t list all disounts very well, so we took the time to find a few of the more well known as well as the least known credits available to lower your premiums when you buy insurance coverage online.

  • ABS Braking Discount – Cars with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Defensive Driver Discount – Taking part in a defensive driver course could earn you a small percentage discount and make you a better driver.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discounts for New Vehicles – Putting car insurance coverage on a new car may earn a small discount since newer vehicles have better safety ratings.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount should definitely cut the cost of coverage.

Popular car insurance companies and some of their more popular discounts include:

  • Farmers Insurance offers discounts for alternative fuel, teen driver, electronic funds transfer, multi-car, distant student, pay in full, and mature driver.
  • Esurance offers discounts including Switch & Save, safety device, anti-lock brakes, anti-theft, emergency road assistance, good student, and claim free.
  • State Farm may offer discounts for driver’s education, defensive driving training, multiple autos, Drive Safe & Save, and accident-free.
  • GEICO includes discounts for anti-lock brakes, multi-vehicle, federal employee, good student, and anti-theft.
  • Allstate policyholders can earn discounts including resident student, senior citizen, economy car, good payer, EZ pay plan discount, and FullPay discount.

It’s a good idea to ask every prospective company the best way to save money. Discounts may not apply in your area.

Insurance rate influencing factors

Multiple criteria are part of the equation when you quote your car insurance policy. Some are obvious like an MVR report, although some other factors are not as apparent such as your marital status or your commute time.An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can earn you lower auto insurance prices.

The following are most of the major factors used by your company to calculate rates.

  • Be proud to be claim-free – Auto insurance companies provide discounts to people who are not frequent claim filers. If you file claims often, you can expect higher rates. Auto insurance is intended to be relied upon for claims that pose a financial burden.
  • Safeguard your assets with liability protection – Your policy’s liability coverage is the protection if ever you are found to be at fault for damages from an accident. It provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Safer vehicles are cheaper to insure – Vehicles with good safety scores tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and thus lower rates.
  • Being married can save you money – Having a significant other may save some money on your policy. It usually means you are more stable financially and statistics show being married results in fewer claims.
  • Expect high rates for teens – More experienced drivers have been proven to be more responsible, cost insurance companies less in claims , and usually have better credit.Teenage drivers tend to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher.
  • Your gender affects prices – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that men are worse drivers. Men and women are responsible for at-fault accidents in similar percentages, but men tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Add-on coverages can cost a lot – Insurance policies have a lot of extra coverages that you can buy when buying auto insurance. Insurance for things like coverage for rental cars, towing, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past get rid of them and save.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining whether you could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Am I missing any policy discounts?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Educate yourself about car insurance coverages

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like ambulance fees, hospital visits, pain medications and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This will pay to fix damage to your Dart resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, rolling your car, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Dodge Dart.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

This coverage will cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane, hitting a deer and falling objects. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Power to the consumer

We’ve covered some good ideas how you can lower your 2016 Dodge Dart insurance premium rates. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the most savings is with an unexpected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Discount 2016 Dodge Dart insurance can be bought online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not provide price quotes online and many times these regional carriers sell through independent agencies.

Additional resources