How Much Does 2013 Dodge Dart Insurance Cost?

Want better insurance rates for your Dodge Dart? Having to pay for overpriced insurance can drain your savings account, especially in this economy. Comparing price quotes is free and is an excellent way to tighten up your finances. You have multiple insurers to choose from, and even though it’s nice to have a choice, it makes it harder to compare rates and cut insurance costs.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to cut costs considerably using this information. Drivers just need to understand how to buy insurance coverage over the internet.

How to Lower Your Car Insurance Cost

Cutting your car insurance rates can be surprisingly simple. The only requirement is to take the time getting comparison quotes online from several insurance companies. This can be done in several different ways.

The single most time-saving way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate quote forms for each company you want a rate for. One form submission gets you price quotes from many national carriers.

A harder way to find lower rates is to manually visit the website of each company and request a quote. For example, let’s assume you want to compare Farmers, Safeco and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker.

To view a list of companies in your area, click here.

The least efficient way of getting rate comparisons is to drive around to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the personal advice of a licensed agent. It is possible to comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever method you choose, compare exactly the same coverage limits on every quote. If you are comparing higher or lower deductibles it’s not possible to determine which rate is truly the best.

Cut your premium with discounts

Companies do not advertise every available discount very well, so we took the time to find both well-publicized and the harder-to-find auto insurance savings. If you don’t get every credit available, you’re paying more than you need to.

  • Student in College – Children living away from home attending college and don’t have a car may be able to be covered for less.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • One Accident Forgiven – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.

It’s important to understand that some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of providers with discount auto insurance rates, click this link.

What is the best insurance coverage?

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover whether you will benefit from professional help.

  • When should I buy a commercial auto policy?
  • Is my cargo covered for damage or theft?
  • Is my state a no-fault state?
  • When can my company non-renew my policy?
  • Is my custom paint covered by insurance?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Factors that might impact rates for a Dodge Dart

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in better car insurance rates.

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

  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both sexes are in accidents in similar numbers, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
  • Don’t cancel a policy without a new one in place – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.
  • Optional equipment can affect rates – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Older drivers save more – Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Young drivers tend to get distracted easily behind the wheel therefore car insurance rates are much higher.
  • Pleasure use or commuting – Driving more miles every year the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars that are left in the garage get more affordable rates than those used for commuting. If your policy improperly rates your Dart can result in significantly higher rates. Verify your car insurance coverage shows the proper vehicle usage.

Auto insurance policy specifics

Having a good grasp of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.

Auto liability – This will cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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 25/50/25 that means you have 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.

Liability insurance covers things like medical expenses, court costs and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision – This coverage pays for damage to your Dart from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hitting a deer, vandalism and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for short-term medical expenses such as dental work, doctor visits and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Find Good Coverage for Less

In this article, we presented some good ideas how you can compare 2013 Dodge Dart insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the lowest premiums are with a small local company. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

When you buy insurance online, you should never reduce needed coverages to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Much more information about auto insurance is located at these links: