2015 Dodge Dart Car Insurance Quotes

Looking for better car insurance rates? Shoppers have options when shopping for low-cost Dodge Dart insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to find the lowest rates. There are both good and bad ways to buy car insurance and we’ll show you the best way to get price quotes for your Dodge and get the lowest possible price either online or from local insurance agents.

It’s important to compare rates on a regular basis due to the fact that insurance rates fluctuate regularly. Even if you think you had the best price on Dart coverage six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online, so with this article, you’re going to get some tested techniques to slash your car insurance rates.

Parts of the Dodge Dart rate equation

Consumers need to have an understanding of the rating factors that play a part in calculating insurance coverage rates. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower insurance coverage prices.

Shown below are a partial list of the pieces that factor into rates.

  • Do you know your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the less your insurance coverage will be on Dart coverage.
  • Bad driving skills means higher rates – Your driving record has a huge affect on how much you pay. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Just one citation can bump up the cost forty percent or more. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Dodge has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Don’t buy coverages you don’t need – There are quite a few additional coverages you can purchase if you aren’t careful. Coverages like personal injury protection, better glass coverage and membership fees are some examples. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • High numbers of claims are not good – Insurance companies award discounts to policyholders who do not file claims often. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Do you work long hours in a high stress job? – Occupations like lawyers, business owners and financial analysts are shown to have higher average rates attributed to high stress and long work hours. Conversely, professions such as pilots, engineers and retirees pay the least on Dart coverage.
  • How many coverages with the same company – Many companies will award you with lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal. You may still find a better deal by buying insurance coverage from a different company.

Vehicle Insurance Comparison

There are a lot of ways to shop for insurance coverage, and some are easier and takes less work. You can spend countless hours driving to insurance companies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Most car insurance companies participate in a marketplace where prospective buyers submit their information once, and each participating company then returns a price quote determined by their information. This system prevents you from having to do form submissions to each company.

To access this free quoting program, click here (opens in new window).

The only drawback to using this type of form is that you can’t choose the companies you will receive quotes from. So if you want to choose individual companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverages and limits for every company. If your comparisons have different deductibles you can’t possibly find the best deal for your Dodge Dart.

Do insurance companies bend the truth?

Drivers constantly see and hear ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise that you’ll save big if you change your coverage to them.

How does each company say the same thing?

Insurance companies can use profiling for the type of customer that earns them a profit. For example, a preferred risk could possibly be between 25 and 40, has no tickets, and has great credit. Any driver who fits that profile gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile will have to pay a more expensive rate which leads to business not being written. The ads state “customers who switch” not “people who quote” save that kind of money. This is how companies can truthfully make the claims of big savings. Because of the profiling, it is so important to get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Dodge Dart insurance rates.

Save on Dodge Dart insurance

Companies don’t list every discount very clearly, so we researched both the well known and the harder-to-find savings tricks you should be using. If you’re not getting every credit possible, you’re paying more than you need to.

  • Low Mileage Discounts – Keeping the miles down on your Dodge could be rewarded with a substantially lower rate.
  • Student in College – Children who are attending college and don’t have a car may qualify for this discount.
  • Memberships – Being a member of a qualifying organization could qualify you for a break when shopping for insurance coverage on Dart coverage.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance coverage policy may reduce the rate for each vehicle.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

Car insurance companies that possibly offer these discounts are:

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts may not be available everywhere.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs might need professional guidance.

  • Is my teenager covered with friends in the car?
  • Am I covered by my spouse’s policy after a separation?
  • What discounts do I qualify for?
  • If my 2015 Dodge Dart is totaled, can I afford another vehicle?
  • Who is covered by my policy?
  • What happens if I owe more than my 2015 Dodge Dart is worth?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage – This coverage will pay to fix damage to your Dart resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, hitting a mailbox, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills like X-ray expenses, rehabilitation expenses and surgery. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverage – This will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as medical services, loss of income and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, vandalism, a tree branch falling on your vehicle, rock chips in glass and damage from getting keyed. The maximum payout your insurance company will pay 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Dodge Dart.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Quote more, save more

Throughout this article, we presented quite a bit of information on how to reduce 2015 Dodge Dart insurance prices online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the most savings is with a smaller regional carrier.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

People switch companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund and even denial of a claim. Regardless of your reason, finding a new company can be less work than you think.

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