How to find the Cheapest 2016 Dodge Dart Insurance Quotes
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UPDATED: Apr 18, 2022
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Trying to find better and more affordable 2016 Dodge Dart insurance? Purchasing the lowest price insurance may be rather challenging for consumers who are beginners to quoting and shopping for insurance on the web. With a ridiculous number of companies competing online, how can consumers have time to compare every possible option in order to find cheaper insurance prices?
If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Pricing the best protection can be fairly easy. Nevertheless, vehicle owners do need to learn the way companies market on the web and take advantage of how the system works.
How to Find the Best 2016 Dodge Dart Insurance
Many different elements are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other criteria are less obvious like your vehicle usage or your vehicle rating. The best way to find cheaper insurance coverage is to take a look at some of the things that help calculate your policy premiums. If you understand what controls the rates you pay, this enables informed choices that can earn you better insurance coverage rates.
- Lower rates with alarms and GPS tracking – Driving a car that has an advanced theft prevention system can help lower your rates. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
- Insurance companies don’t like frequent policy claims – If you file claims often, you can expect increased rates or even have your policy non-renewed. Companies award discounts to policyholders who do not rely on their insurance for small claims. Insurance coverage is designed for more catastrophic claims.
- Your address can push rates up or down – Choosing to live in less populated areas may provide you with better prices if you are looking for the lowest rates. Less people means less chance of accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have congested traffic and much longer commute distances. Longer commute distances means more chance of being in an accident.
- Less chance of injury means lower insurance coverage rates – Cars with high safety ratings can get you lower premiums. Highly rated vehicles reduce occupant injuries and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If your Dodge Dart has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
- Qualify for multi-policy discounts – Most larger insurance companies will give discounts to policyholders that have more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, drivers will still want to compare rates to help ensure you have the lowest rates.
Lowering the Cost of Your Auto Insurance
Shopping for lower auto insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could waste a few hours driving to agents in your area, or you could save time and use online quotes to get pricing more quickly.
Most car insurance companies enroll in a system that allows shoppers to enter their policy data once, and every company can provide price quotes based on that information. This prevents consumers from doing quote requests to every company.
Want to compare auto insurance companies to find the best rates? Just enter your ZIP code into our free comparison tool to get started.
The only drawback to doing it this way is that consumers can’t choose the companies to get quotes from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of auto insurance companies in your area.
It’s up to you how you get prices quoted, just make absolutely certain that you use nearly identical information for every quote you compare. If you are comparing mixed coverages it will be nearly impossible to determine the best price for your Dodge Dart. Even a minor difference in insurance coverages or limits may result in large price differences. And when quoting auto insurance, remember that quoting more helps improve the odds of finding the best price. Some companies don’t provide online rate quotes, so you should also compare price estimates from them, too.
What discounts should you look for?
Companies that sell car insurance don’t always advertise every discount they offer in a way that’s easy to find, so here is a list of some of the best known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.
- Bundled Policy Discount – If you have multiple policies and insure them with the same company you may save over 10 percent off each policy depending on the company.
- Discount for Switching Early – A few larger companies offer discounts for switching to them prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
- Defensive Driver – Successfully completing a defensive driver course could earn you a small percentage discount depending on where you live.
- Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. You can use this discount normally until age 25.
- Telematics Discount – Insureds who allow their insurance company to track their driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
As a footnote on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.
If you would like to see a list of insurance coverage companies who offer online insurance coverage quotes, click this link.
How to Tailor Insurance Coverage to Your Personal Situation
When choosing coverage, there is no best way to insure your cars. Each situation is unique.
For instance, these questions may help highlight if your insurance needs may require specific advice.
- Why am I required to get a high-risk car insurance policy?
- Are my tools covered if they get stolen from my vehicle?
- Do I pay less for low miles?
- Do I need special endorsements for business use of my vehicle?
- What is covered by UM/UIM coverage?
- Should I drop comprehensive coverage on older vehicles?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Different Types of Coverage You Can Purchase
Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Collision coverage covers damage to your Dart caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like damaging your car on a curb, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.
This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.
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 limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.
Liability can pay for claims such as court costs, emergency aid, bail bonds and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.
Medical payments and PIP Coverage
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for prosthetic devices, ambulance fees, surgery and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) Coverage
This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Dart.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Comprehensive Auto Coverage
This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
How to Save On Your 2016 Dodge Dart Insurance: Summary
You just learned a lot of ways to get a better price on 2016 Dodge Dart insurance. It’s most important to understand that the more times you quote, the better likelihood of getting affordable insurance coverage. Consumers may even find the most savings is with a small mutual company.
There are still a few companies who do not provide online rate quotes and most of the time these small, regional companies prefer to sell through local independent agencies. Lower-priced 2016 Dodge Dart insurance can be sourced online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from.
Insureds who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, an unsatisfactory settlement offer and even delays in responding to claim requests. It doesn’t matter why you want to change providers, switching auto insurance companies is not as difficult as it may seem.
Additional Helpful resources:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
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