Trying to find cheaper insurance for your Dodge B150 Van can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare auto insurance rates and you need to know the quickest way to quote coverages for a Dodge and find the lowest possible price either online or from local insurance agents.
Finding the best rates is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can learn to reduce the price you pay and still get good coverage. Drivers only need to know the most effective way to shop their coverage around over the internet.
How to Get Cheap Auto Insurance
Cutting your auto insurance rates can be quick and easy. Drivers just need to spend a little time comparing rate quotes from different insurance companies. This is very easy and can be done in a couple of different ways.
- The recommended way to get quotes is a comparison rater form (click to open form in new window). This method keeps you from doing a different quote for every auto insurance company. A single, simple form gets rate comparisons instantly. This is by far the quickest method.
- A slightly less efficient method to get quotes online consists of going to each company website and complete a new quote form. For sake of this example, we’ll assume you want to compare rates from Farmers, Allstate and GEICO. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
- The hardest method to compare rates is to spend your day driving to insurance agents’ offices. Shopping for auto insurance online makes this process obsolete unless you have a need for the trained guidance that only a license agent can provide. It is possible to comparison shop your insurance online and get advice from an agent in your area. We’ll cover that shortly.
Which method you use is up to you, but compare apples-to-apples coverages and limits on every quote you get. If your comparisons have different liability limits it will be next to impossible to decipher which rate is best.
Won’t my local insurance agent miss me?
Certain consumers would rather sit down with an agent and there is nothing wrong with that. Agents can help determine the best coverages and give you someone to call. The biggest benefit of price shopping on the web is you may find the best rates but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is immediately sent to participating agents who will give you bids for your insurance coverage. You never need to even leave your home due to the fact that quote results will go immediately to your email address. How cool is that?!
Picking a company needs to be determined by more than just a cheap price. Ask your prospective agent these questions:
- What insurance companies do they work with?
- Can glass repairs be made at your home?
- Did they already check your driving record and credit reports?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Insurance agent types
When researching a good insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies are classified as either captive or independent (non-captive). Both insure your vehicles, but it’s worth learning the difference between them since it may influence your selection of an agent.
Captive Insurance Agents
This type of agents are contracted to one company such as State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they have to upsell other benefits. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Consumers often purchase coverage from captives mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.
When shopping rates, we recommend you include multiple independent agents for maximum quote selection.Many can place coverage with smaller regional carriers which may provide better rates.
To view a full list of agents, visit this page.
Once you have received acceptable answers in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that can properly insure your vehicles.
