2006 Dodge Magnum Car Insurance Quotes

Trying to find the cheapest insurance coverage rates? Buyers have a choice when searching for affordable Dodge Magnum insurance. You can either spend your time calling around getting price quotes or use the internet to make rate comparisons. There is a better way to shop for insurance coverage so we’re going to tell you the proper way to price shop coverage for a new or used Dodge and find the lowest possible price from local insurance agents and online providers.

Consumers need to check insurance coverage prices on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best rates on Magnum insurance a couple years back there is a good chance you can find better rates now. Don’t believe everything you read about insurance coverage on the web, but with this article, you’re going to get the best ways to save money.

Auto Insurance Quote Comparison

There are a variety of methods you can shop for 2006 Dodge Magnum auto insurance and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get the quickest rates.

Most of the best insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each participating company returns a competitive quote based on that information. This prevents consumers from doing quote requests to each individual auto insurance company.

To enter your information into the quoting system, click here to start a free quote.

One minor caviat to pricing coverage this way is you don’t know exactly which carriers to receive prices from. So if you want to choose specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits for each comparison quote. If you compare mixed coverages it will be impossible to determine which rate is truly the best.

Situations that might require an agent

When buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Can I afford low physical damage deductibles?
  • How high should my medical payments coverage be?
  • Should I have combined single limit or split liability limits?
  • If my pet gets injured in an accident are they covered?
  • Does insurance cover tools stolen from my truck?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Auto insurance 101

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability coverage

This will cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, 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. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s 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.

Liability insurance covers things like structural damage, attorney fees, pain and suffering and medical services. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision protection

This coverage covers damage to your Magnum from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, crashing into a ditch, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like X-ray expenses, rehabilitation expenses, prosthetic devices, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, fire damage, a broken windshield, rock chips in glass and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.