Quick Guide to Buying Coverage Online for a Dodge Omni

Did a good deal turn into high-priced car insurance? It’s quite common and there are lots of residents who feel the same. There is such a variety of insurance companies to choose from, and although it’s a good thing to have multiple companies, it makes it harder to find the best rates for your vehicles.

Finding affordable coverage is easy if you know what you’re doing. Just about every driver who buys car insurance most likely will be able to lower their premiums. But vehicle owners can benefit by having an understanding of how the larger insurance companies market on the web.

Comparing car insurance rates is a ton of work if you aren’t aware of the most efficient way. You can waste hours driving to local insurance agents in your area, or you could use the internet for quick rates.

All the larger companies belong to a marketplace where insurance shoppers complete one form, and each company returns a competitive quote based on that data. This system prevents you from having to do form submissions to each company. To compare rates using this form now click here to start a free quote.

The one disadvantage to getting quotes like this is that you can’t choose the companies to get pricing from. So if you want to select specific providers to request quotes from, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you use apples-to-apples quote data on every quote. If you are comparing different data it’s not possible to make an equal comparison. Slightly different coverage limits may result in a large different in cost. Just keep in mind that comparing more company’s prices helps locate better pricing.

Why Your Insurance Costs might be higher

The best way to find cheaper car insurance is to take a look at the rating factors that come into play when calculating your car insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that can help you get lower car insurance prices. Many different elements are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although others are more obscure like your vehicle usage or how financially stable you are.

• Performance makes a difference – The performance of the car you need to insure makes a substantial difference in your auto insurance rates. The best insurance prices are generally reserved for economy passenger models, but that’s not the only thing that factors into the final price. Because the Dodge Omni is a passenger car, rates will be similar in price or lower than the average rate where you live.
• Your stress level may be raising your prices – Careers like judges, architects and stock brokers have higher rates than the rest of us due to stressful work requirements and long work hours. Conversely, careers like professors, engineers and the unemployed get better rates for Omni coverage.
• Gaps in coverage mean higher rates – Driving without insurance coverage in place is a big no-no and you will pay a penalty because you let your insurance lapse. In addition to paying higher rates, getting caught without coverage may earn you fines or a revoked license.
• Premiums drop with age – Young drivers are statistically proven to be more careless with other occupants in the car and because of this, their car insurance rates are much higher. Parents adding a beginning driver onto your car insurance can be very expensive. Mature drivers are more cautious drivers, cause fewer claims and accidents , and are generally more financially stable.
• Females tend to be lower risk – Statistics show that females tend to be a little less risky than males. It does not mean females are better at driving than males. Women and men are responsible for accidents in similar numbers, but men tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations like driving under the influence (DUI).
• Only buy what you need – There are quite a few additional coverages that can add up but may not be useful. Insurance for things like coverage for rental cars, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas at first, but if you’ve never needed them in the past consider taking them off your policy.

Car insurance policy discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts that many consumers don’t even know exist. Certain reductions will be credited when you purchase, but some may not be applied and must be manually applied prior to getting the savings.

• Defensive Driver Discount – Completing a course teaching defensive driver skills could save 5% or more and easily pay for the cost of the class.
• Online Discount – A handful of car insurance companies will give a small break for buying a policy and signing up digitally online.
• First Accident Forgiveness – This one isn’t a discount, but companies like Libery Mutual, GEICO and Allstate will let one accident slide before your rates go up with the catch being you have to be claim-free before the accident.
• Low Mileage Discounts – Maintaining low annual mileage can earn discounted premium rates on garaged vehicles.
• Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you may save at least 10% off all policies.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
• Discounts for Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their for Omni coverage than less cautious drivers.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

A few of the larger companies and the discounts they provide are shown below.

• GEICO offers premium reductions for air bags, anti-lock brakes, multi-policy, emergency military deployment, membership and employees, and military active duty.
• MetLife discounts include multi-policy, defensive driver, accident-free, good driver, good student, and claim-free.
• Progressive may offer discounts for multi-vehicle, homeowner, continuous coverage, good student, online signing, and multi-policy.
• Travelers may have discounts that include payment discounts, multi-car, save driver, continuous insurance, early quote, and good student.
• SAFECO has discounts for accident prevention training, drive less, anti-lock brakes, teen safety rewards, teen safe driver, and bundle discounts.
• AAA has savings for multi-car, good driver, anti-theft, AAA membership discount, multi-policy, education and occupation, and good student.

When comparing rates, check with all the companies which discounts they offer. Savings may not be available in your state.

Persistent drivers can save

We just presented quite a bit of information on how to save on Dodge Omni insurance. The most important thing to understand is the more times you quote, the better likelihood of getting . You may be surprised to find that the lowest priced car insurance comes from a small local company. Regional companies may have significantly lower prices on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

Lower-priced Dodge Omni insurance is attainable online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some companies do not offer online quoting and these smaller companies only sell through independent agents.