View 2016 Dodge Dart Insurance Cost

No sane person looks forward to buying insurance coverage, especially knowing they could get a better deal. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers to find the absolute best rates possible.

It’s a good idea to price shop coverage every six months since insurance prices are variable and change quite frequently. If you had the best deal on Dart insurance a year ago there is a good chance you can find better rate quotes now. There is a lot of bad advice regarding insurance coverage on the internet, but in this article, you’re going to get some solid techniques on how to stop overpaying for insurance.

If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to learn the proper way to find the lowest price online.

Lower your insurance prices

A large part of saving on auto insurance is knowing the factors that help determine the level of your policy premiums. If you have a feel for what determines premiums, this enables informed choices that could result in lower rates.

The factors shown below are some of the items auto insurance companies consider when setting your prices.

  • No coverage gaps is important – Going without insurance will be a quick way to pay more for auto insurance. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a revoked license or a big fine.
  • Little extras can really add up – There are a ton of extra add-on coverages that may not really be needed when buying auto insurance. Coverages like replacement cost coverage, towing coverage, and extra life insurance coverage are examples of these. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Fewer miles means better premiums – The more you drive your Dodge in a year the higher the price you pay to insure it. The majority of insurers calculate prices based upon how much you drive. Vehicles used primarily for pleasure use can be on a lower rate level than those that get driven frequently. It’s a good idea to make sure your vehicle rating shows how each vehicle is driven, because it can save money. Incorrect rating for your Dart is just wasting money.
  • Rates can drop if you have more than one policy – Some companies apply discounts to buyers who buy several policies from them, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. Even though this discount sounds good, it’s in your best interest to compare other company rates to ensure the best deal.
  • Less chance of injury means lower prices – Vehicles with high crash test scores get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies which can mean better rates for you. If your Dodge Dart scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Cheaper to insure women? – Statistics show that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. Both sexes cause auto accidents at about the same rate, but guys have costlier accidents. Men also tend to receive more major tickets like DWI (DUI) or reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Liability insurance limits on your policy – The liability section of your policy will protect you if ever you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. Liability is cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

Save a ton with these insurance discounts

Not many people think insurance is cheap, but there may be some discounts that may help make it more affordable. Some trigger automatically at the time you complete a quote, but some must be manually applied prior to getting the savings.

  • Memberships – Belonging to certain professional organizations is a good way to get lower rates on your policy.
  • Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
  • Own a Home and Save – Just being a homeowner can save a few bucks because maintaining a house demonstrates responsibility.
  • Active Service Discounts – Having a deployed family member could mean lower premium rates.
  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more on Dart insurance as compared to drivers with claims.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Good Students Pay Less – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
  • Low Mileage Discounts – Keeping the miles down on your Dodge could qualify for lower insurancerates on the low mileage vehicles.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

Companies and some of their more popular discounts can be found below.

  • Farmers Insurance may offer discounts for business and professional, teen driver, multi-car, electronic funds transfer, mature driver, and youthful driver.
  • State Farm offers discounts for good student, passive restraint, safe vehicle, Steer Clear safe driver discount, student away at school, and multiple policy.
  • Liberty Mutual has savings for multi-policy, newly married, new vehicle discount, new move discount, preferred payment discount, hybrid vehicle, and exclusive group savings.
  • MetLife offers premium reductions for good driver, good student, accident-free, defensive driver, multi-policy, claim-free
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, online signing, multi-policy, online quote discount, good student, and multi-vehicle.

When quoting, ask each company what discounts are available to you. All car insurance discounts might not be offered in your area. To find providers that offer discounts, follow this link.

Don’t believe everything you hear

Consumers can’t ignore all the ads that promise big savings for switching from the likes of Allstate, GEICO and Progressive. They all convey the message that you can save if you get a free insurance quote and switch your insurance policy to them.

How does every insurance company make almost identical claims? This is the way they can do it.

Insurance providers have specific characteristics for the driver that is profitable for them. One example of this type of insured should be between the ages of 40 and 55, has never had a policy lapse, and drives less than 7,500 miles a year. A customer that fits those parameters will get low rates and will also save when switching.

Consumers who fall outside the requirements will be quoted a higher premium and the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save that kind of money. That is how companies can make those statements.

Because each company has a different risk profile, it is so important to do a quote comparison often. It’s not possible to predict which insurance company will fit your personal profile best.

Insurance can get complicated

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • How high should deductibles be on a 2016 Dodge Dart?
  • Am I covered when using my vehicle for business?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my policy cover me when driving someone else’s vehicle?
  • When do I need to add a new car to my policy?
  • When can my company non-renew my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance 101

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Coverage for collisions

This coverage covers damage to your Dart caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, a broken windshield, hail damage and theft. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, pain medications, prosthetic devices, chiropractic care and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, legal defense fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2016 Dodge Dart.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Get your money’s worth

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

A few companies may not have rate quotes online and most of the time these regional insurance providers provide coverage only through local independent agencies. More affordable auto insurance is available online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture.

Much more information about auto insurance can be read on the following sites: