How to Get the Absolute Cheapest Rates When Comparing Insurance for a Dodge Shadow

Tired of not being able to afford each month for car insurance? Your situation is no different than most other car owners. Lots of insurers contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest price

How much can you save with discounts?

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be inquired about before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for Shadow insurance with a few auto insurance companies.
  • Low Mileage Discounts – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will cut your premiums.

For a list of insurers with discount auto insurance rates, click here to view.

How to Compare Auto Insurance Rates

Most major insurance companies allow you to get prices for coverage online. Obtaining pricing is fairly simple as you simply enter your coverage preferences as requested by the quote form. Once you submit the form, their system gets your driving record and credit report and generates a price. Online price quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you want to find better prices.

The preferred way to find better auto insurance pricing makes use of a single form that gets price quotes from a bunch of companies at once. The form is fast, eliminates form submissions, and makes online quotes much easier. After your information is entered, it gets priced and you can select any one of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process only takes a few minutes and you will know how your current rates stack up.

To get comparison pricing now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you input deductibles and limits exactly as shown on your declarations page. This guarantees you will receive a price comparison using the same coverage and limits.

What determines your Dodge Shadow insurance premium

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to big savings. car insurance

The following are some of the factors companies use to determine prices.

  • Don’t buy coverages you don’t need – There are quite a few additional coverages that you can buy if you aren’t careful. Things like personal injury protection, towing coverage and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • More people means more accidents – Living in less populated areas is a positive aspect when talking about auto insurance. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Urban drivers have more traffic problems and a longer drive to work. More time commuting means more change of being in an accident.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents at a similar rate, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Drive less and save money – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on their usage. Cars that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your auto insurance policy properly reflects the correct driver usage, because it can save money. Incorrect usage on your Shadow can cost quite a bit.
  • You might want pay the small claims yourself – If you frequently file small claims, you can definitely plan on higher rates. Auto insurance companies give discounts to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Dodge Shadow has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

What about using a local agent?

Some consumers would prefer to sit down with an agent. Agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing insurance prices online is you can get lower rates but still work with a licensed agent. And providing support for local businesses is important especially in smaller communities.

Once you complete this short form, your insurance coverage information is submitted to local insurance agents who will battle for your business. There is no reason to visit any agencies since price quotes are sent to the email address you provide. It doesn’t get any easier!

If you want to view licensed agents in your state, click here.

Deciding on a company should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:

  • Is working in the agency their full-time job?
  • Does the agency support the community they serve?
  • What insurance companies do they recommend if they are an independent agent?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Which members of your family are coverage by the policy?

After getting acceptable answers to any questions you have and an affordable coverage quote, it’s possible that you found an provider that can insure your vehicles.

Misconceptions in auto insurance advertisements

Consumers constantly see and hear ads for car insurance savings by GEICO, State Farm and Progressive. All the companies make an identical promise that you’ll save big if you change to their company.

How does each company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the driver that is profitable for them. For instance, a driver they prefer could possibly be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” receives the best rates and most likely will cut their rates substantially.

Dodge Shadow insurance rates

Drivers who don’t qualify for these standards will be quoted more money and ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save money. That’s the way companies can advertise the way they do.

This emphasizes why it is so important to get as many comparisons as possible. You cannot predict which company will provide you with the cheapest rates.

In conclusion

We just presented a lot of techniques to save on Dodge Shadow insurance. The key thing to remember is the more you quote, the higher the chance of saving money. You may even find the most savings is with a small local company. They often have lower prices on specific markets than their larger competitors like Progressive or GEICO.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped full coverage only to discover later they didn’t have enough coverage. Your aim should be to find the BEST coverage at the best price.