2013 Dodge Dart Insurance Quotes

Want cheaper insurance rates for your Dodge Dart? Buying insurance online might seem complicated at first if you’ve never compared quoting online. But don’t surrender to high rates because it’s actually quite easy.

It’s a good habit to get comparison quotes yearly because insurance rates go up and down regularly. Even if you got the lowest premium rates on Dart insurance a couple years back you will most likely find a better price today. You can search a lot of insurance out there, but in this article, you’re going to get a lot of great tips on how to lower your insurance rates.

Buy insurance online

To find cheap auto insurance quotes, there are several ways of comparing rate quotes from local insurance companies. The best method to compare 2013 Dodge Dart insurance prices is to use the internet to compare rates. This is very easy and can be done in a couple minutes as outlined below.

The fastest and easiest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This style of form saves time by eliminating separate forms for each company you want a rate for. One form gets rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
A slightly less efficient method to get comparison quotes requires you to visit the website for every company you want to comare and get a separate price quote. For example, let’s assume you want to compare rates from Farmers, Progressive and Liberty Mutual. To find out each rate you need to spend time on each company’s site and repeatedly enter your information, which can get rather old.
To view a list of companies in your area, click here.
The last way to price shop rates is actually driving to each insurance agency near you. The ability to quote online eliminates the need for an insurance agent unless you have a need for the trained advice of a licensed agent. It is possible with some companies comparison shop your insurance online but buy from a local insurance agent.

It doesn’t matter which method you choose, just double check that you are using the same quote information for each comparison quote. If you use mixed coverages it’s impossible to determine the lowest rate for your Dodge Dart. Just a small difference in insurance coverages or limits may result in a large different in cost. And when quoting insurance, remember that comparing more quotes will enable you to find the best price.

It’s not one size fits all

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help you determine whether you will benefit from professional help.

Does my policy cover me when driving someone else’s vehicle?
If I drive on a suspended license am I covered?
How can I find cheaper teen driver insurance?
Am I covered if I hit my neighbor’s mailbox?
Is motorclub coverage worth it?
How can I get my company to pay me more for my totalled car?
Is my teen driver covered when they drive my company car?
Does my insurance cover my expensive audio equipment?
When can I cancel my policy?
Why do I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Specifics of your auto insurance policy

Knowing the specifics of auto insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, damaging your car on a curb, rolling your car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like funeral costs, EMT expenses and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability auto insurance

This can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as funeral expenses, legal defense fees, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

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 also any damage incurred to your Dodge Dart.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.