Drivers have options when trying to find the best price on Dodge B250 Van insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to compare rates. There are both good and bad ways to buy auto insurance and you need to know the best way to price shop coverage on a Dodge and get the cheapest rates either online or from local insurance agents.
Low Cost Auto Insurance
The are a couple different ways to compare rate quotes from auto insurance companies in your area. The best method to find the cheapest Dodge B250 Van insurance rates consists of obtaining rate quotes online. This can be accomplished in several different ways.
The most efficient way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do a different quote to each individual auto insurance company. Completing one form gets rate comparisons instantly. Recommended for those who want to invest the least amount of time.
A different way to analyze rates consists of visiting the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want rates from USAA, Safeco and Farmers. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
The least efficient way of getting rate comparisons to different agent offices. Shopping for auto insurance online makes this process obsolete unless you require the professional advice of a licensed agent. Drivers can price shop online but buy from a local insurance agent and we’ll talk about that later.
It doesn’t matter which method you choose, just double check that you are using identical coverage limits and deductibles for every quote you compare. If the quotes have higher or lower deductibles it’s impossible to make an equal comparison. Just a small difference in limits can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons will increase your chances of finding the best rates.
Be sure to get all your discounts
Companies don’t list all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.
- Distant Student – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
- Own a Home – Simply owning a home may trigger a auto insurance policy discount because owning a home requires personal responsibility.
- Bundle and Save – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
- No Accidents – Drivers who don’t have accidents pay less when compared with frequent claim filers.
- Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
- Multiple Vehicles – Having multiple vehicles with the same company can get a discount on all vehicles.
It’s important to note that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, companies don’t profit that way.
To choose insurance companies who offer auto insurance discounts, click here to view.
What if I want to buy from a local agent?
Some people just want to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is you can get the lowest rates and still have an agent to talk to.
Upon completion of this quick form, the quote information is submitted to companies who will give you bids for your coverage. You won’t need to leave your house as quotes are delivered straight to your inbox. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.
Picking an insurer should depend on more than just the bottom line cost. Ask your prospective agent these questions:
- How often do they review policy coverages?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are claims handled at the agent’s location?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Can glass repairs be made at your home?
- Who is covered by the car insurance policy?
- Are you getting all the discounts the company offers?
- Do the coverages you’re quoting properly cover your vehicle?
Multiple types of car insurance agents
If you’re trying to find a reliable agent, you must know there are a couple types of insurance agents that you can select. Agencies are either independent (non-captive) or captive.
Captive Insurance Agents
Captive insurance agents can only place business with one company and some examples include American Family, Liberty Mutual and AAA. These agents are not able to compare other company’s rates so keep that in mind. Captive agencies are well schooled on the products they sell which helps them compete with independent agents. Consumers often purchase coverage from captives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Independent Insurance Agents
Independent agencies are not required to write business for one company but rather can write business with many different companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with smaller regional carriers who may have lower rates.
To view a complete directory of auto insurance agents, click here.
Upon getting positive responses to all your questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that can insure your vehicles.
Keep this in mind
Budget-conscious Dodge B250 Van insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage and learned later that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest price.
People switch companies for any number of reasons including questionable increases in premium, delays in paying claims, an unsatisfactory settlement offer or even poor customer service. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.
