2016 Dodge Dart Insurance Quotes

Trying to find lower insurance coverage rates for your Dodge Dart? Wish you could get out of an underperforming, overpriced insurance coverage policy? Believe me, there are many people just like you.

Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the absolute lowest cost out there.

It’s important to do rate comparisons periodically because rates are rarely the same from one policy term to another. If you had the best deal for Dart insurance a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the quickest ways to properly buy coverages while reducing your premium.

Where can I get low cost insurance?

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize the web to get rates in a matter of minutes.

Many insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company can give them a price based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose which carriers you want pricing from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just do your best to use the exact same coverages and limits on every quote. If your comparisons have different data you will not be able to determine the best price for your Dodge Dart. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when comparing insurance rates, know that obtaining a wide range of quotes increases your odds of finding more affordable rates. Some insurance companies are not set up to provide online rate quotes, so it’s important to also get price estimates from them, too.

You are unique and your insurance should be too

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • What is medical payments coverage?
  • Why do I only qualify for high-risk insurance?
  • Which companies will insure high-risk drivers?
  • When can my company non-renew my policy?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Collision protection

This coverage pays for damage to your Dart from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, crashing into a ditch, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, hail damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability coverage will cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, repair bills for other people’s vehicles, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Dart.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like nursing services, funeral costs, chiropractic care, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay