Find How to Cut Costs on Dodge Magnum Insurance

Buyers have a choice when searching for the lowest priced Dodge Magnum insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to quote coverages for a new or used Dodge and find the cheapest rates.

It is always a good idea to get comparison quotes periodically since prices fluctuate regularly. Even if you got the best deal on Magnum insurance a year ago there is a good chance you can find better premium rates now. Block out anything you think you know about car insurance because it’s time to teach you the fastest and easiest way to find better rates and still maintain coverage.

If you have a current car insurance policy or are shopping for new coverage, you can use this information to find better prices and possibly find even better coverage. This information will teach you the best way to quote coverages. Drivers just need to know the tricks to get comparison quotes online.

Getting low cost car insurance pricing is pretty simple and can save money. All that’s required is to invest a little time to get quotes online with multiple companies. This can easily be done by following the guidelines below.

1. The easiest and least time consuming way to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing separate forms to each individual car insurance company. One quote request will get you price quotes from multiple companies. It’s definitely the quickest method.
2. A more difficult way to obtain and compare quotes online requires visiting the website of each company and fill out a new quote form. For sake of this example, we’ll assume you want to view quotes from Progressive, Safeco and State Farm. You would need to go to each individual site to enter your coverage information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you’re using nearly identical coverage data for each comparison quote. If each company quotes higher or lower deductibles you will not be able to get a fair rate comparison.

Smart Buyers Can Lower Their Insurance Premiums

Consumers need to have an understanding of some of the elements that aid in calculating the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower rates.

• Drive less and pay lower prices – The more miles you rack up on your Dodge in a year the more you’ll pay to insure your vehicle. A lot of companies rate vehicles based upon how the vehicle is primarily used. Autos that do not get driven very much can get a lower rate than vehicles that are driven to work every day. Verify your declarations sheet is showing the correct usage, because improper ratings can cost you money. Incorrect rating for your Magnum can result in significantly higher rates.
• Costs increase with policy add-ons – Policies have extra coverages you can purchase but may not be useful. Coverages like rental car coverage, high-cost glass coverage, and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so consider taking them off your policy.
• Bad credit hurts insurance premiums – Your credit score is likely to be a major factor in calculating your premium rate. Insureds that have high credit scores tend to be more responsible and file fewer claims than drivers with worse credit. If your credit history is lower than you’d like, you could be paying less to insure your Dodge Magnum if you improve your credit rating.
• Never let your coverage lapse – Allowing your car insurance policy to lapse will be a sure-fire way to increase your rates. In addition to paying higher premiums, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Safer cars cost less to insure – Cars with five star safety ratings tend to be cheaper to insure. These vehicles reduce injuries and any reduction in injury severity translates directly to fewer claims and lower rates for you. If your Dodge is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Car insurance companies offer many types of discounts

Auto insurance companies do not list every available discount in a way that’s easy to find, so the list below contains some of the more common and the harder-to-find credits that you can use to lower your rates.

• Good Drivers – Safe drivers could pay up to 40% less on Magnum insurance than drivers with accident claims.
• Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn cheaper rates.
• Military Discounts – Being deployed with a military unit could be rewarded with lower car insurance rates.
• Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you on Magnum insurance with select insurance companies.
• Driver Education Discount – It’s a good idea to have your young drivers sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can avoid the installment charge.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The best car insurance companies and a partial list of their discounts are included below.

• Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, multi-policy, good student, online quote discount, homeowner, and online signing.
• Farmers Insurance includes discounts for distant student, alternative fuel, teen driver, homeowner, mature driver, pay in full, and early shopping.
• Farm Bureau offers premium reductions for multi-policy, good student, driver training, multi-vehicle, and youthful driver.
• State Farm may offer discounts for student away at school, accident-free, Steer Clear safe driver discount, safe vehicle, anti-theft, and Drive Safe & Save.
• GEICO may include discounts for seat belt use, defensive driver, five-year accident-free, membership and employees, and good student.
• SAFECO discounts include homeowner, drive less, teen safety rewards, safe driver, and multi-car.
• Liberty Mutual has discounts for multi-policy, good student, new graduate, new move discount, safety features, preferred payment discount, and new vehicle discount.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area. To view insurers that offer many of these discounts, click this link.

Do I just need basic coverages?

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might point out if your situation would benefit from professional advice.

• Is business equipment covered while in my vehicle?
• Does my insurance cover my expensive audio equipment?
• Is borrowed equipment or tools covered if stolen or damaged?
• Who is covered when they drive my Dodge Magnum?
• Should I buy additional glass protection?
• What if I total my Dodge Magnum and owe more than it’s worth?
• What can I do if my company won’t pay a claim?
• Is a no-fault state?
• What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Lower rates by being persistent

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed collision coverage only to find out that it was a big mistake. The goal is to buy a smart amount of coverage at the best price.

You just read some good ideas how you can shop for Dodge Magnum insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from a small local company.

Insureds switch companies for a variety of reasons including policy non-renewal, high rates after DUI convictions, poor customer service and denial of a claim. No matter why you want to switch, finding a new car insurance company is less work than it seems.