6 Shopping Tips Shown to Lower Dodge Daytona Auto Insurance Expenses

Have you fallen victim to an overpriced auto insurance policy? Trust us, there are many people just like you.

You have so many car insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to find a good deal.

Don’t miss these six discounts

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specifically requested before you will receive the discount.

• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on auto insurance on Daytona insurance.
• New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
• Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Daytona insurance with a few auto insurance companies.
• Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.

It’s important to understand that most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce the amount you have to pay.

To choose providers who offer auto insurance discounts, click here.

Cheap Auto Insurance Comparisons

When shopping for auto insurance there are multiple ways to compare quotes and find the best price. The simplest method to compare insurance prices consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

The recommended way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate quotation requests for each company you want a rate for. Just one form will get you rate comparisons from multiple companies.

A harder way to obtain and compare quotes online requires visiting each company’s website to request a price quote. For sake of this example, let’s say you want to compare rates from Liberty Mutual, GEICO and Allstate. To get each rate you have to take the time to go to each site and enter your 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.

The hardest method to compare rates is to spend time driving to local insurance agencies. Shopping for auto insurance online makes this process obsolete unless you prefer the personal advice only provided by licensed agents. You can, however, price shop online and get advice from an agent in your area and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits with every price quote. If you use different liability limits it’s impossible to decipher which rate is best. Slightly different limits may cause a big price difference. Keep in mind that getting more free quotes helps locate the best rates.

Is my situation unique?

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

• Should I buy additional glass protection?
• What is the minimum liability in my state?
• Is business property covered if stolen from my car?
• What are the best liability limits?
• How many claims can I have before being cancelled?
• Do I need to file an SR-22 for a DUI in my state?
• How high should my medical payments coverage be?
• Should I rate my Dodge Daytona as pleasure use or commute?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Collision coverages – Collision coverage will pay to fix damage to your Daytona from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for liability – This coverage can cover injuries or damage you cause to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values 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 propery. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, bail bonds, attorney fees, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive auto insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism, hitting a deer and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like X-ray expenses, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Daytona.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Best coverage at the best price

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many cases where an insured cut liability coverage limits to discover at claim time that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

We covered many ways to reduce Dodge Daytona insurance prices online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a small local company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

The cheapest Dodge Daytona insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.