Save on 2014 Dodge Dart Car Insurance Quotes

Trying to find lower insurance rates for your Dodge Dart? Are you intimidated by the wide range of insurance company choices? Many other drivers are as well. People have so many options available that it can quickly become a real hassle to find the lowest price.

Buying car insurance is easy if you know what you’re doing. Basically, every driver who has to buy insurance will most likely be able to lower their premiums. Although car owners must understand the methods companies use to sell online and take advantage of how the system works.

Dodge Dart insurance rates have many determining factors

It’s important that you understand the different types of things that come into play when calculating your insurance coverage rates. Having a good understanding of what determines base rates enables informed choices that could result in big savings.

  • Don’t get talked into coverage you don’t need – There are many extra coverages that can waste your money on your Dart policy. Coverages for personal injury protection, accident forgiveness and membership fees are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Men fork out a little more – Statistics have proven that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as DWI and reckless driving.
  • Your car’s features help determine rates – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Liability insurance protects assets – The liability section of your policy provides coverage when a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Lower rates come with age – Mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers tend to be more careless in a vehicle therefore insurance coverage rates are much higher.

How to Compare Auto Insurance Quotes

The are a couple different ways to get quotes from different insurance companies. The quickest method to find competitive 2014 Dodge Dart insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.

  1. The fastest way to get quotes would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do multiple quote forms to each individual auto insurance company. Just one form will get you price quotes direct from many companies. It’s the fastest way to compare.
  2. A harder way to obtain and compare quotes online requires a visit to the website of each company and request a quote. For example, let’s assume you want to compare Farmers, Liberty Mutual and GMAC. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

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

However you get your quotes, double check that you are using exactly the same quote information for every company. If you have different liability limits it’s not possible to truly determine the lowest rate. Quoting even small variations in coverage limits may cause a big price difference. And when price shopping your coverage, comparing more company’s prices will enable you to find lower pricing.

Get lower rates on 2014 Dodge Dart insurance

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known discounts you could be receiving.

  • Drive Less and Save – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Resident Student – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. So when it seems like it’s possible to get free car insurance, you’re out of luck.

For a list of companies offering insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • How can I force my company to pay a claim?
  • What happens if I owe more than my 2014 Dodge Dart is worth?
  • Does insurance cover damages from a DUI accident?
  • Does car insurance cover theft of personal property?
  • Do I need higher collision deductibles?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I find high-risk insurance?
  • If I drive on a suspended license am I covered?
  • Is my state a no-fault state?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage considerations

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision insurance

This will pay to fix damage to your Dart caused by 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 protects against claims such as backing into a parked car, rolling your car, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, theft and hitting a bird. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for things like surgery, hospital visits and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, court costs, pain and suffering and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage on a shoestring budget

As you shop your coverage around, never reduce needed coverages to save money. Too many times, drivers have reduced liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Insureds switch companies for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, being labeled a high risk driver or even denial of a claim. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

Lower-priced 2014 Dodge Dart insurance can be bought both online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

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