2016 Dodge Dart Insurance Quotes

Want lower auto insurance rates for your Dodge Dart? If you’re trying to find lower-cost insurance, do you get overwhelmed by the sheer number of auto insurance providers? There are so many providers to choose from that it can quickly become a big hassle to lower your auto insurance rates.

The best way to compare policy rates is to understand most insurance companies participate in a system to quote your coverage. All consumers are required to do is provide details such as what your job is, if you’re married, daily mileage, and if you require a SR-22. Your information is sent automatically to multiple different insurance companies and you will get price comparisons almost instantly.

To find the cheapest 2016 Dodge Dart insurance rates, click here and complete the form.

Affordable auto insurance quotes with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that may help make it more affordable. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically in order for you to get them.

• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Theft Deterent System – Cars optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.
• Early Switch Discount – A few companies give discounts for switching to them before your current policy expires. This discount can save up to 10%.
• Resident Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Dart insurance compared to rates paid by drivers with frequent claims.
• Multiple Policy Discount – When you combine your homeowners and auto insurance and insure them with the same company you may earn nearly 15% which can help you find cheaper insurance coverage.
• Low Miles Discount – Keeping the miles down on your Dodge can earn lower premium rates due to less chance of an accident.
• Discount for Life Insurance – Select companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
• Homeowners Savings – Being a homeowner may earn you a small savings because owning a home is proof of financial responsibility.

A quick disclaimer, most discounts do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

Larger auto insurance companies and a selection of discounts include:

• The Hartford offers discounts for bundle, good student, vehicle fuel type, driver training, and defensive driver.
• American Family offers premium reductions for defensive driver, bundled insurance, Steer into Savings, TimeAway discount, early bird, and good driver.
• Progressive discounts include homeowner, good student, continuous coverage, online signing, online quote discount, and multi-policy.
• Travelers may offer discounts for continuous insurance, multi-car, student away at school, new car, and home ownership.
• Farmers Insurance may include discounts for distant student, teen driver, business and professional, bundle discounts, and early shopping.
• USAA may have discounts that include multi-policy, multi-vehicle, driver training, good student, family discount, and vehicle storage.
• Liberty Mutual has savings for new graduate, multi-car, teen driver discount, multi-policy, preferred payment discount, and hybrid vehicle.

If you are trying to find the cheapest insurance coverage quotes, ask all companies you are considering which discounts they offer. Some credits might not be available to policyholders in your state. To find insurance companies offering auto insurance discounts, click here to view.

Tailor your insurance coverage to you

When buying coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

• Does insurance cover damages from a DUI accident?
• Can I afford to buy a different vehicle if my 2016 Dodge Dart is totaled?
• Should I have a commercial auto policy?
• Does insurance cover tools stolen from my truck?
• Should I rate my 2016 Dodge Dart as pleasure use or commute?
• Do I need replacement cost coverage?
• Does having multiple vehicles earn me a discount?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

How to lower your insurance prices

Multiple criteria are considered when quoting car insurance. Most are fairly basic such as your driving record, although some other factors are more obscure such as whether you are married or your financial responsibility.

The list below includes most of the major factors utilized by car insurance companies to help set your prices.

• Deter theft and reduce rates – Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your vehicle from being stolen.
• Do you really need roadside assistance? – There are quite a few extra add-on coverages that may not really be needed if you aren’t diligent. Insurance for replacement cost coverage, accidental death, and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
• More traffic means higher claims – Being located in less populated areas of the country has definite advantages when it comes to insurance coverage. Fewer drivers and short commutes translates into fewer accident claims as well as less vandalism and auto theft. Drivers who live in large cities have to deal with more road rage incidents and longer commute times. More time behind the wheel translates into higher accident risk.
• Getting married can save on insurance coverage – Having a wife or husband helps lower the price compared to being single. It translates into being more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
• Safety first – Cars with five star safety ratings tend to have lower insurance rates. Highly rated vehicles reduce injuries and fewer serious injuries translates into savings for insurance companies and more competitive rates for policyholders.
• Discounts for multiple policies – Most insurers will give discounts to buyers who carry more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, you may still want to compare other company rates to help ensure you have the lowest rates.
• Rates can be impacted by your job – Did you know your job can affect your rates? Careers like doctorsair traffic controllers and medical professionals have higher premiums than the average policyholder in part from intense work requirements and lots of time spent away from family. On the flip side, careers like farmers, athletes and homemakers get better rates for Dart insurance.

Insurance coverage considerations

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge Dart.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability car insurance

This coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, repair costs for stationary objects, pain and suffering and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, EMT expenses, prosthetic devices and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, scraping a guard rail, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, a broken windshield, theft and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a penny pincher

Lower-priced auto insurance can be purchased online in addition to many insurance agents, so you should compare both to have the best selection. A few companies may not provide price quotes online and many times these small insurance companies sell through local independent agents.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. Too many times, consumers will sacrifice liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the best price, not the least amount of coverage.

Drivers leave their current company for any number of reasons including poor customer service, high rates after DUI convictions, not issuing a premium refund and being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Additional information is located at these links:

• Where can I buy Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Rollover Crash FAQ (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)