Penny Pincher Insurance for your Dodge B350 Van
If finding affordable car insurance was easy, most of us would take the time to do it. Unfortunately, it's not always as easy as it sounds to get the best rate. You might feel the same pain when having to pay the bill on your Dodge B350 Van.
Step One: Shop Around
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Times have changed!
The best car insurance companies offer online quoting for a Dodge B350 Van and it's very easy to compare different rates by only using one form.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Use the Same Coverages! It's really important that when doing multiple quotes for your B350 Van that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: Tricks to Saving Money on B350 Van Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a B350 Van.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- If your B350 Van ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
Step Three: Choose the Right Company for You
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If this is a new policy with only the Dodge on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Your existing car insurance policy will give you some coverage if you buy a new or used B350 Van, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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