Dodge Stealth Owners Discover the Best Car Insurance Rates

Feeling guilty for buying high-priced car insurance? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy. There are many car insurance companies to pick from, and although it’s a good thing to be able to choose, more options can take longer to find the lowest cost provider.

Buying cheaper protection is quite easy. If you have a policy now or need a new policy, you can use this information to find the best rates and possibly find even better coverage. Vehicle owners only need to know the most efficient way to find the lowest price on the web.

How to buy car insurance

Finding cheap car insurance quotes is an easy way to save money. Just spend a few minutes on the computer comparing to find out which insurance company has . Price comparisons can be done in just a few minutes using one of these methods.

• The most recommended method to find low rates would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing repetitive form entry to each individual car insurance company. One form submission gets rate comparisons direct from many companies.
• A slightly less efficient method to shop for car insurance online consists of going to each individual company website and repeat the quote process. For examples sake, let’s say you want to view quotes from Nationwide, Allstate and Progressive. You would be required to go to every website and enter your policy data, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare equivalent coverages for each price quote. If you enter different values for each quote it will be next to impossible to determine which company has the best rates.

Save $460 a year? Really?

Consumers constantly see and hear ads that claim the cheapest rates by companies like GEICO, State Farm and Progressive. All the companies tend to make the same promise that you can save if you just switch your policy.

How does every car insurance company say the same thing? It’s all in how they say it.

Most companies quote their cheapest rates for the type of insured that will not have excessive claims. An example of a desirable risk could be a married female, owns their home, and does not commute to work. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and will also cut their rates substantially.

Drivers who don’t qualify for the “perfect” profile will have to pay a higher rate and this can result in the customer buying from a different company. The wording the ads use say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how insurance companies can confidently make claims that they all have the best auto insurance rates.

Because each company has a different risk profile, you really need to compare rate quotes every year. It’s not possible to predict which insurance companies will give you lower rates than your current company.

Pay discount rates with these discounts

Car insurance is expensive, but companies offer discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you get a quote, but a few need to be requested specifically prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be saving more on your car insurance.

• One Accident Forgiven – Not really a discount, but a few companies such as Progressive, Allstate, and GEICO will let one accident slide without getting socked with a rate hike if you have no claims for a set time period.
• Government Employees – Active or retired federal employment could qualify for a slight premium decrease for Stealth coverage with a few car insurance companies.
• Low Mileage – Fewer annual miles on your Dodge may allow you to get substantially lower rates.
• Theft Deterent – Cars with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Claim Free – Insureds who avoid accidents and claims get the best car insurance rates compared to policyholders that have many claims.
• Discounts for Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount for every vehicle.
• Lower Rates for Military – Having a deployed family member could qualify you for better prices.
• Renewal Discounts – Some insurance companies provide a discount for switching companies before your current expiration date. It could save around 10% when you .

As a sidenote, many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.

Insurance companies that have these benefits include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you need , ask every insurance company which discounts they offer. Some discounts listed above may not be offered in your area. To see a list of car insurance companies with discount rates, click here to view.

Your situation helps dictate your coverage

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation could use an agent’s help.

• Does my car insurance cover rental cars?
• Am I covered if I crash into my own garage door?
• Should I buy only the required minimum liability coverage?
• Does my insurance cover my expensive audio equipment?
• Do I qualify for additional discounts?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered when using my vehicle for business?
• Do I benefit by insuring my home with the same company?
• What are no-fault laws?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

The best insurance company isn’t always the cheapest

Budget-friendly car insurance can be sourced both online and from local agencies, so you need to with both in order to have the best chance of saving money. Some insurance companies may not offer internet price quotes and usually these smaller providers only sell through local independent agencies.

As you , don’t be tempted to reduce needed coverages to save money. In too many instances, an insured dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.