Dodge Dart Insurance Rates

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Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 5, 2023

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You have lots of choices when insurance shopping for your Dodge Dart. You can buy direct from a local agent or go online to check prices from companies. Shopping for car insurance by quoting online can be fast and easy and at the same time you might just save a little.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies vying for your business. Cutting your Dodge Dart insurance cost is a fairly straight forward process. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Which factors influence your insurance rates?

Auto insurance rates for a Dodge Dart can vary widely depending on several factors. Taken into consideration are:

  • Higher performance Dart vehicles cost more
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

A final factor that will help determine Dodge Dart insurance rates is the model year. New vehicles have a higher replacement value in comparison to later models so the cost to replace them can inflate annual premiums. Although more recent Dart vehicles may have a trim level with safety features included like all-wheel drive, a rollover prevention system, and adaptive headlights which can give discounted rates.

Liability coverages - This coverage will cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision - Collision coverage will pay to fix damage to your Dart caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Dodge Dart collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper Dodge Dart insurance rates.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Dodge Dart comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. 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. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

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