The easiest way to get discount Dodge Stratus insurance is to do a yearly price comparison from insurers who provide auto insurance in Tucson.
- First, take a little time to learn about how auto insurance works and the changes you can make to prevent high rates. Many risk factors that result in higher prices such as traffic violations and an imperfect credit score can be eliminated by making lifestyle changes or driving safer.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple insurance companies. View a list of agents
- Third, compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Tucson. If you find a better price, make sure coverage is continuous and does not lapse.
- Fourth, tell your current company to cancel your current policy. Submit the signed application along with the required initial payment to your new carrier. Make sure you store the certificate verifying proof of insurance in an easily accessible location.
One thing to remember is to use similar coverage information on each quote request and and to compare as many companies as you can. This enables a fair price comparison and the best price quote selection.
Shockingly, about 70% of customers have bought insurance from the same company for four years or more, and just short of a majority have never quoted insurance rates at all. Many consumers in America could save as much as 46.5% each year just by shopping around, but they think it’s difficult to compare rate quotes.
If you are already insured or need new coverage, you can learn to find better prices while maximizing coverage. These tips will introduce you to the best ways to compare prices and also save some money in the process Smart buyers just have to know the most effective way to shop their coverage around from many different companies online.
Lowering your Dodge Stratus insurance rates is surprisingly easy. The only thing you need to do is take time comparing free Tucson auto insurance quotes provided by online insurance companies.
The providers in the list below can provide comparison quotes in Tucson, AZ. If you wish to find cheap auto insurance in Tucson, we recommend you get price quotes from several of them in order to get a fair rate comparison.
Why you need insurance for your Dodge vehicle
Even though it can be expensive, maintaining insurance may be required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your Dodge Stratus, almost every bank will force you to carry insurance to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your Dodge for a much higher rate and force you to pay the higher price.
Third, car insurance protects not only your car but also your assets. It will also reimburse you for many types of medical costs incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney in the event you are sued. If your Dodge gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. According to a 2015 survey, the average American driver overpays as much as $700 annually so compare rate quotes every year to make sure the price is not too high.
Components of Your Dodge Stratus Insurance Rates
Lots of things are taken into consideration when pricing auto insurance. Some of the criteria are obvious like an MVR report, although others are less obvious like where you live or your vehicle rating.
Shown below are most of the major factors that factor into your prices.
- Pay more out-of-pocket – The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The more money the insured has to pay upfront, the less money you will pay for insurance.
- Prices also based on gender – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Women and men are in accidents at about the same rate, but the men tend to have more serious accidents. Men also receive more major tickets such as DWI and reckless driving.
- Only buy coverage you need – There are a lot of add-on coverages you can purchase on your insurance policy. Insurance for things like roadside assistance, towing coverage, and Farm Bureau memberships may be wasting your money. They may seem like a good idea initially, but if you have no use for them consider taking them off your policy.
- More traffic means higher claims – Choosing to live in a rural area can save you money if you are looking for the lowest rates. Less people means fewer accidents. Drivers in populated Arizona areas regularly have more road rage incidents and longer commutes to work. Longer commute distances means a statistically higher chance of an accident.
- Know your vehicle’s NHTSA crash test rating – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and lower injury rates means lower claim amounts which can mean better rates for you.
- Gaps in coverage mean higher premiums – Driving without insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, getting caught without coverage can result in fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with the Arizona motor vehicle department to get your license reinstated.
- Careless drivers pay higher rates – A bad driving record influences premium rates substantially. Just one moving violation could increase your next policy renewal to the point where it’s not affordable. Careful drivers pay lower auto insurance prices than their less careful counterparts. Drivers with serious citations such as reckless driving or DUI may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
- Age of drivers – Young drivers in Arizona tend to be less responsible with other occupants in the car therefore insurance rates are much higher. Mature drivers tend to be more responsible, cost insurance companies less in claims, and receive fewer citations.
How do I know if I need professional advice?
When choosing a policy, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out if your situation might need professional guidance.
- Why do I have to buy liability insurance?
- Why do I need rental car insurance?
- Should I put collision coverage on all my vehicles?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered when delivering products for my home-based business?
- Can I get by with minimal medical coverage if I have good health insurance?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
More quotes mean more car insurance savings
Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, questionable increases in premium, policy non-renewal and even extreme rates for teen drivers. No matter why you want to switch, finding a great new company can be easier than you think.
When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.
We covered many ideas to save on Dodge Stratus insurance in Tucson. The most important thing to understand is the more times you quote, the better chance you’ll have of finding inexpensive Tucson auto insurance quotes. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies.
More detailed car insurance information can be found by following these links:
- Neck Injury FAQ (iihs.org)
- What Insurance is Cheapest for a Chevrolet Silverado in Tucson? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Tucson? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Understanding your Policy (NAIC.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Distracted Driving Statistics (Insurance Information Institute)