Compare 2014 Dodge Dart Insurance Cost

Sick and tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as millions of other consumers. Having so many options, it can be hard to pick the lowest cost provider.

Smart consumers take time to get comparison quotes every six months since insurance rates tend to go up over time. Even if you think you had the lowest rates for Dart insurance a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to find out one of the quickest ways to buy cheaper auto insurance.

Shopping for the best insurance coverage is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. Drivers only need to know the tricks to shop on the web.

Are you getting all your discounts?

Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but some may not be applied and must be manually applied before they will apply. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for Dart insurance with certain companies.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more depending on where you live.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Memberships – Belonging to certain professional organizations may earn a discount on car insurance for Dart insurance.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will help reduce your premiums.

Companies that may have some of the above discounts are:

Check with all companies you are considering what discounts are available to you. Savings might not be offered in your area.

Free Quotes for Car Insurance

Finding cheaper 2014 Dodge Dart car insurance prices can be relatively painless. Consumers just need to take a few minutes to get quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The single most time-saving way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions for each company you want a rate for. Filling out one form gets you price quotes instantly.
  2. A more difficult way to get quotes online is to take the time to go to each company’s website to request a price quote. For sake of this example, we’ll assume you want rates from USAA, State Farm and Farmers. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least efficient way of getting rate comparisons is to drive around to and from local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed agents. You can, however, comparison shop online but buy from a local insurance agent.

Whichever method you choose, compare apples-to-apples coverage limits on every quote you get. If you enter differing limits it’s impossible to find the best deal for your Dodge Dart.

Factors that might impact rates for a Dodge Dart

Consumers need to have an understanding of the different types of things that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to big savings.

  • Lower rates come with age – Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers have a tendency to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, architects and financial analysts tend to have higher average rates attributed to job stress and lots of time spent at work. Conversely, jobs such as scientists, engineers and performers receive lower rates for Dart insurance.
  • No coverage gaps is important – Not having insurance is illegal and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, getting caught without coverage will get you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Where do you drive? – The higher the mileage driven in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your car insurance declarations sheet shows the correct usage for each vehicle, because it can save money. If your policy improperly rates your Dart can result in significantly higher rates.
  • Liability coverage is cheap – Your policy’s liability coverage will protect you if ever a court rules you are at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • How many coverages with the same company – Many companies provide better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by buying insurance from more than one company.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages that you can get tricked into buying on your Dart policy. Coverages like vanishing deductibles, accidental death and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don’t need them get rid of them and save.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight whether you might need professional guidance.

  • Why is insurance for a teen driver so high?
  • Will my insurance pay for OEM parts?
  • What if I don’t agree with a claim settlement offer?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Why am I required to buy liability insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Can I afford low physical damage deductibles?
  • Are split liability limits better than a combined single limit?
  • When would I need rental car insurance?
  • When should I remove comp and collision on my 2014 Dodge Dart?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by car insurance companies.

Collision coverages – This covers damage to your Dart caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Dart.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Auto liability – This coverage protects you from damage that occurs to a person or their property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like legal defense fees, medical services and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, surgery, hospital visits, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, hitting a bird and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More choices the merrier

We covered many ways to shop for 2014 Dodge Dart insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the best prices are with some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits and learned later that they should have had better coverage. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

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