Cheapest 2013 Dodge Dart Insurance Rates in 2023
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UPDATED: Mar 15, 2023
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Trying to find cheaper car insurance rates for your Dodge Dart? No one enjoys paying for car insurance, in particular when the cost is way too high. Big companies like Progressive, State Farm, and GEICO all claim big savings, bombarding you with catchy ads and it is difficult to ignore the promise of big savings and finding the best price available. Thankfully, with proper research, you certainly can save on the cost of your 2013 Dodge Dart insurance.
If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to cut your premiums while maintaining coverages. Finding affordable coverage is quite easy. Vehicle owners just need to know the most efficient way to buy car insurance online.
Lesser-Known Factors Impacting Dodge Dart Insurance Rates
Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay, the information enables you to make changes that could result in big savings.
- Your age impacts your rates – Teenage drivers are statistically proven to be less responsible in a vehicle so they pay higher car insurance rates. Mature drivers tend to be more responsible, tend to cause fewer accidents, and receive fewer citations.
- Don’t buy coverages you don’t need – There are many extra bells and whistles that you can get tricked into buying on your Dart policy. Things like personal injury protection, accidental death, and term life insurance are some examples. These may sound like a good investment initially, but if they’re wasting money remove them from your policy.
- Rates may be lower depending on your job – Occupations such as judges, executives, and accountants tend to pay higher rates than average attributed to high stress and lengthy workdays. On the flip side, occupations such as pilots, athletes, and retirees have the lowest average rates on Dart coverage.
- Consolidate policies to earn discounts – The majority of car insurance companies will award you lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal.
- Protect your assets with liability insurance – Your policy’s liability coverage is the coverage that protects you if ever you are found liable for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
- Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems, and vehicle immobilizers all aid in stopping auto theft.
- Higher deductibles cost less – Physical damage insurance, also known as collision and other-than-collision, protects your Dodge from damage. Examples of covered claims would be a windshield shattered by a rock, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend before a claim is paid by your company. The more money you’re willing to pay, the lower your rates will be on Dart coverage.
- Do men or women drive better? – Statistics show women tend to be less risky to insure than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Male drivers aged 16 to 19 tend to get in the most accidents and thus pay the highest rates.
The easiest way to compare policy rates is to know the fact most larger insurance companies will pay a fee to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information like the level of coverage desired, if you lease or own, whether or not you need an SR-22, and how you use your vehicles. That rating information is submitted instantly to all major companies and they provide comparison quotes quickly.
Can you really save that much by switching?
Consumers get pounded daily by advertisements for the lowest-priced auto insurance by State Farm, Allstate, and GEICO. They all say the same thing about savings if you move to their company.
But how can every company make the same claim? It’s all in the numbers.
All companies have a preferred profile for the right customer that is profitable for them. For example, a preferred risk might be profiled as between the ages of 40 and 55, having no tickets, and driving less than 7,500 miles a year. Any new insured who meets those qualifications is entitled to the best price and therefore will save a lot of money.
Potential insureds who do not match this ideal profile must pay a higher premium which leads to the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s why companies can claim big savings.
This illustrates why drivers must compare many companies’ rates. Since you can never know the company that will provide you with the cheapest 2013 Dodge Dart insurance rates without looking, comparing quotes from multiple auto insurance providers is the best way to go.
Take Advantage of Discounts
The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. Some discounts apply automatically when you purchase, but some may not be applied and must be inquired about before being credited. If they aren’t giving you every credit possible, you are throwing money away.
- Discounts for Safe Drivers – Safe drivers may save up to 50% more on Dart coverage than less cautious drivers.
- Clubs and Organizations – Participating in a professional or civic organization could trigger savings on your policy on Dart coverage.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
- Student Driver Training – Require your teen driver to enroll in driver’s education in school.
- Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
It’s important to understand that some credits don’t apply to all coverage premiums. Most cut individual premiums such as medical payments or collisions. So when the math indicates you could get a free insurance policy, insurance companies aren’t that generous. But all discounts will cut your premiums. See what discounts you qualify for that can lower your 2013 Dodge Dart insurance costs.
To see a list of providers with discount insurance rates, click here.
How to Identify When You Need Help
When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine whether your personal situation might need professional guidance.
- What is UM/UIM insurance?
- I have good health insurance, so how much medical payments coverage do I need?
- Should I sign the liability waiver when renting a car?
- Do all my vehicles need collision coverage?
- When do I need to add a new car to my policy?
- How much liability do I need to cover my assets?
- Do I need to file an SR-22 for a DUI in my state?
- If my pet gets injured in an accident are they covered?
- How high should my medical payments coverage be?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Insurance Coverage Basics
Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.
Medical Payments and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provides coverage for immediate expenses for things like funeral costs, chiropractic care, rehabilitation expenses, hospital visits, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Liability – Liability insurance protects you from damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. As an example, you may have limits of 25/50/25 which means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for things like funeral expenses, medical expenses, and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Collision – This pays to fix your vehicle from damage from colliding with a stationary object or another vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as colliding with another moving vehicle, hitting a mailbox, and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Comprehensive – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hail damage, damage from getting keyed, hitting a deer and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Shop Smart and Save Smart
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that the savings were not a smart move. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.
We just covered a lot of information on how to reduce 2013 Dodge Dart insurance prices online. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than large multi-state companies such as Allstate or State Farm.
The cheapest insurance can be purchased both online as well as from independent agents, so you should compare both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.
For more information, feel free to visit the resources below:
- Auto Crash Statistics (Insurance Information Insitute)
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