Quick Guide to Buying Coverage Online for a Dodge Monaco

Shoppers have lots of choices when shopping for low-cost Dodge Monaco insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the best way to compare rates for your Dodge and locate the cheapest rates.

It’s a good idea to compare rates every six months because prices go up and down regularly. If you had the lowest rates for Monaco insurance a year ago there is a good chance you can find better premium rates now. You can search a lot of auto insurance online but in a few minutes you can learn the easiest ways to quit paying high auto insurance rates.

Lower-cost auto insurance quotes with discounts

Auto insurance is not an enjoyable expense, but you might find some hidden discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be asked for before you get the savings. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction for Monaco insurance with a few auto insurance companies.
Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount and also improve your driving technique.
No Charge for an Accident – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims for a specific time period.
Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The good student discount can last up until you turn 25.
Low Mileage Discounts – Keeping the miles down on your Dodge can earn cheaper auto insurancerates.
Renewal Discounts – Some companies give discounts for buying a new policy prior to your current policy expiring. You can save around 10% with this discount.
Passive Restraints and Air Bags – Cars that have air bags can get savings of 20 to 30 percent.
Military Discounts – Having a deployed family member could trigger a small discount.
Save with a New Car – Buying a new car instead of a used car can save up to 30% because new model year vehicles have to meet stringent safety requirements.

One thing to note about discounts is that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride.

A few companies that may offer quotes with some of the discounts shown above may include but are not limited to:

When getting a coverage quote, ask each company or agent which discounts they offer. All car insurance discounts might not be available to policyholders in your area. To view auto insurance companies with the best discounts, follow this link.

You may need help from a local insurance agent

Many people still like to go talk to an agent. Licensed agents can make sure you are properly covered and help submit paperwork. The biggest benefit of price shopping on the web is the fact that you can find cheap auto insurance rates and also buy local.

After completing this simple form, your information is sent to insurance agents who will return price quotes for your insurance coverage. You won’t even need to contact an agency as quotes are delivered to the email address you provide. If you want to get a rate quote from a specific auto insurance provider, don’t hesitate to jump over to their website and give them your coverage information.

Selecting an insurance company should include more criteria than just the price. Some important questions to ask are:

Do they review policy coverages at every renewal?
If you have an accident, will your rates go up?
What will you get paid if your car is a total loss? How is that amount determined?
Can you get a list of referrals?
Are claim adjusters local or do you have to take your car somewhere else?
How much training do they have in personal risk management?
Do they prorate repair cost based on vehicle mileage?
Is the agency active in community causes?

If you are wanting to find a good insurance agent, it’s helpful to know the types of insurance agents and how they can quote your rates. Agents are classified as either captive or independent (non-captive). Either can insure your vehicles, but it’s important to point out the difference in the companies they write for since it could factor into your selection of an agent.

Captive Auto Insurance Agencies

These type of agents can only provide pricing for a single company like Farmers Insurance, American Family, State Farm and Allstate. They usually cannot place coverage with different providers so you might not find the best rates. Captive agents are well trained on the products they sell which helps them sell insurance even at higher premiums. A lot of people buy insurance from these agents partially due to high brand loyalty rather than low rates.

Independent Agencies or Brokers

These agents can quote rates with many companies so they have the ability to put coverage amongst many companies depending on which coverage is best. If you want to switch companies, they simply move your policy to a different company and you won’t have to switch agencies. When comparing rates, you absolutely need to get several quotes from a few independent agents for maximum quote selection. Many write coverage with different regional companies which could offer lower prices.

To locate agencies near you, here is a link to locate an insurance agency.

After getting good answers to any questions you have as well as a price you’re happy with, you may have just found an insurance agent that meets the criteria to service your policy.

Does auto insurance advertising bend the truth?

Consumers can’t ignore all the ads for auto insurance savings from the likes of State Farm, Allstate and GEICO. They all advertise claims that drivers will save a bundle if you move your auto insurance coverage to their company.

But how can every company offer drivers better rates?

Companies have specific criteria for the type of driver that earns them a profit. An example of a driver they prefer should be over the age of 40, has never had a claim, and drives a lower-performance vehicle. A propective insured who matches that profile may get the lowest car insurance rates as well as save if they switch.

Drivers who don’t measure up to those criteria will be charged higher rates and this can result in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save that much money. This is how insurance companies can claim big savings. This really drives home the point why you really need to get a wide range of price quotes. It is just not possible to predict the company that will give you lower premium rates than your current company.

Best coverage at the best price

Consumers switch companies for many reasons like questionable increases in premium, high rates after DUI convictions, unfair underwriting practices and even policy cancellation. It doesn’t matter why you want to switch finding a new auto insurance company is not as difficult as it may seem.

Cheaper Dodge Monaco insurance is attainable from both online companies and also from your neighborhood agents, so get from both of them in order to have the best chance of saving money. A few companies may not provide online rate quotes and most of the time these small insurance companies only sell through independent insurance agencies.

You just learned quite a bit of information on how to compare Dodge Monaco insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from the smaller companies.