Ultimate Guide for Buying Car Insurance for a Dodge SX 2.0

Drivers have lots of choices when trying to find low-cost Dodge SX 2.0 insurance. They can either waste time calling around getting price quotes or save time using the internet to find the lowest rates.

There is a better way to compare car insurance rates and you need to know the proper way to quote coverages for your Dodge and locate the best price possible from local insurance agents and online providers.

It’s smart to compare rates once or twice a year because prices are variable and change quite frequently. If you had the best deal for SX 2.0 coverage last year other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate the proper way to eliminate unnecessary coverages and save money.

Car Insurance Comparison Rates

Lowering your car insurance rates is surprisingly easy. All that’s required is to spend a little time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

Probably the best way to get quotes is to use a rate comparison form click to view form in new window. This method eliminates the need for separate forms for each company. One simple form gets you price quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
A harder way to get comparison quotes is spending the time to visit each company website to complete their respective quote request forms. For examples sake, let’s say you want rates from Nationwide, Esurance and Allstate. You would have to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
The hardest method of comparing rate quotes is to spend time driving to and from local insurance agencies. The internet can eliminate the need for a local agent unless you want the personal advice of a licensed agent. It is possible to comparison shop online and get advice from an agent in your area and we’ll talk about that later.

However you get your quotes, make absolute certain that you use identical coverages with every price quote. If you enter higher or lower deductibles it’s impossible to determine the lowest rate for your Dodge SX 2.0.

Discounts can save BIG

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specially asked for prior to getting the savings. If you’re not getting every credit you qualify for, you are throwing money away.

Auto/Life Discount – Larger companies have a discount if you purchase a life insurance policy as well.
Drivers Ed for Students – Have your child complete a driver education course in school.
Federal Employees – Simply working for the federal government can earn a discount up to 10% for SX 2.0 coverage with select insurance companies.
Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for SX 2.0 coverage than drivers with accidents.
Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
Paperless Signup – A few companies give back up to $50 for buying your policy on their website.
Military Discounts – Having a deployed family member could mean lower rates.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will help reduce your premiums.

To see a list of insurance companies who offer car insurance discounts, follow this link.

But don’t I need an insurance agent?

Certain consumers would rather buy from a local agent and there is nothing wrong with that. Agents can help determine the best coverages and help file insurance claims. The best thing about price shopping on the web is you may find lower rates but also keep your business local. And supporting local insurance agencies is especially important if you live in a smaller city or town.

For easy comparison, once you complete this form (opens in new window), your coverage information is transmitted to local insurance agents who will give you bids for your business. You never need to leave your house as quotes are delivered to the email address you provide. How’s that for easy! car insurance quote

Is a captive or independent auto insurance agent right for you?

When finding a good insurance agent, you must know there are a couple types of agencies to choose from. Agencies are either captive or independent. Either one can properly insure your vehicles, but it’s worth learning how they differ since it may influence the type of agent you choose

Independent Agents

These agents are not employed by any specific company so they can insure your vehicles with lots of companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When comparison shopping, we recommend you include price quotes from several independent insurance agents for maximum quote selection. They often place coverage with different regional companies which can save you money.

Captive Agents

Captive insurance agents are contracted to one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. Captives cannot place coverage with different providers so always compare other rates. Captive agents are well schooled on the products they sell which can be an advantage. Consumers often buy insurance from these agents partially due to the brand legacy and the convenience of having all coverages with one company.

To view a complete directory of car insurance agents, click here.

Deciding on an insurance agency shouldn’t rely on just the bottom line cost. Some important questions to ask are:

Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Did they already check your driving record and credit reports?
Do clients work directly with the agent or are most inquiries handled by a CSR?
Is assistance available after office hours?
Do they carry Errors and Omissions coverage?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Do they review policy coverages at every renewal?

Upon receiving good answers as well as a affordable price, you may have just found a car insurance agent that can adequately provide car insurance.

Factors that might impact rates for a Dodge SX 2.0

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

Listed below are some of the items used by your company to calculate your rates.

Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates. If your Dodge scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
Don’t sacrifice liability coverage – Liability insurance is the protection in the event that you are found liable for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
Extra coverages can waste money – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and motor club memberships may be wasting your money. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle. If your policy improperly rates your SX 2.0 may be costing you.
Too many car insurance claims drive up costs – Insurance companies award better rates to drivers who are claim-free. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
Theft deterrents lower rates – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
Marriage brings a discount – Having a spouse can actually save you money on car insurance. Having a spouse translates into being more mature than a single person and statistics show married couples file fewer claims.
Never go without insurance – Letting your insurance expire is a guaranteed way to pay more for car insurance. Not only will rates go up, but not being able to provide proof of insurance will get you a license revocation or jail time.

Do drivers who switch really save $451 a year?

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the companies make an identical promise about savings if you change your policy.

How do they all make almost identical claims?

Insurance companies can use profiling for the type of driver that makes them money. For example, a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Consumers who are not a match for these standards will be charged more money which leads to the customer not buying. The ads say “drivers who switch” not “people who quote” save that much money. That is how companies can truthfully state the savings.

That is why drivers should get quotes from several different companies. It’s impossible to know which car insurance company will provide you with the cheapest rates.

The best insurance company isn’t always the cheapest

You just read some good ideas how you can save on Dodge SX 2.0 insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from a small local company.

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage and learned later they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Low-cost Dodge SX 2.0 insurance is available both online and also from your neighborhood agents, so compare prices 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.