Consumers have lots of choices when looking for affordable Dodge B350 Van insurance. They can either waste time driving around getting price quotes or save time using the internet to find the lowest rates.
There are both good and bad ways to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages for your Dodge and locate the best price possible either online or from local insurance agents.
Consumers should take time to compare premium rates at least once a year since rates trend upward over time. Just because you had the lowest rate on B350 van insurance last year you will most likely find a better price today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to quote online to find better coverage at a better price.
Lower rates by qualifying for discounts
Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts that could help you make your next renewal payment. Many discounts should be triggered when you get a quote, but some need to be specifically requested prior to getting the savings.
- Air Bags and Passive Restraints – Factory air bags may get savings up to 30%.
- Savings for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
- Military Deployment Discount – Being on active deployment in the military could be rewarded with lower prices.
- Student Driver Training – Have your child sucessfully take a driver\s education course as it will make them better drivers and lower rates.
- Resident Student – who are attending college and don’t have a car may be insured at a cheaper rate.
- Claim Free – Drivers who don’t have accidents pay less in comparison to bad drivers.
- Good Grades Discount – Performing well in school may save you up to 25%. Many companies even apply the discount to college students until age 25.
- Telematics Devices – Drivers that enable their insurance company to track where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as they are good drivers.
- Sign Online – Many insurance companies will provide an incentive for buying your policy digitally online.
- Government Employee Discount – Active or former government employment can save as much as 8% on B350 van insurance depending on your auto insurance provider.
Remember that most discounts do not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you’re out of luck.
Popular auto insurance companies and the discounts they provide are outlined below.
- Progressive offers discounts for homeowner, online signing, good student, multi-vehicle, continuous coverage, multi-policy, and online quote discount.
- Farmers Insurance may offer discounts for homeowner, alternative fuel, pay in full, mature driver, distant student, early shopping, and bundle discounts.
- Farm Bureau may include discounts for renewal discount, driver training, good student, youthful driver, and multi-policy.
- State Farm offers premium reductions for student away at school, good driver, anti-theft, Steer Clear safe driver discount, defensive driving training, multiple autos, and passive restraint.
- GEICO policyholders can earn discounts including multi-vehicle, military active duty, defensive driver, anti-theft, good student, five-year accident-free, and federal employee.
- SAFECO may have discounts that include multi-car, bundle discounts, anti-lock brakes, safe driver, homeowner, teen safety rewards, and anti-theft.
- Liberty Mutual has savings for safety features, new vehicle discount, teen driver discount, newly retired, multi-policy, and new graduate.
Before purchasing a policy, check with every company how many discounts you can get. All car insurance discounts may not apply to policyholders in your state. If you would like to choose from a list of insurance companies that offer some of these discounts, follow this link.
Learn How to Lower Your Insurance Prices
Part of the auto insurance buying process is learning some of the elements that come into play when calculating the price you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower auto insurance prices. Lots of factors are part of the equation when quoting car insurance. Some factors are common sense such as your driving history, although others are less apparent like where you live or your vehicle rating.
The factors shown below are some of the items used by insurance companies to determine your premiums.
- Your career may increase rates – Occupational choices like real estate brokers, business owners and medical professionals usually pay higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations like farmers, athletes and retirees get better rates on B350 van insurance.
- Insurance companies don’t like frequent auto insurance claims – Companies award discounts to drivers who are claim-free. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.
- Alarm systems save money – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft.
- Only buy what you need – There are many extra coverages that can waste your money on your B350 Van policy. Things like vanishing deductibles, accident forgiveness, and motor club memberships may be costing you every month. These coverages may sound good when buying your policy, but now you might not need them so think about removing them and cutting costs.
It’s not one size fits all
When choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.
For example, these questions can help discover if you might need an agent’s assistance.
- What is the minimum liability in my state?
- What should my uninsured motorist coverage limits be in my state?
- Am I covered when pulling a rental trailer?
- How do I file an SR-22 for a DUI in my state?
- Should I put collision coverage on all my vehicles?
- Should I buy more coverage than the required minimum liability coverage?
- Am I covered when driving a rental car?
- What if I don’t agree with a claim settlement offer?
- Does my liability insurance cover pulling a trailer or camper?
- Should I rate my Dodge B350 Van as pleasure use or commute?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Comparing prices from local auto insurance agents
Some people just prefer to buy from a local agent and often times that is recommended A good thing about getting free rate quotes online is you may find cheap auto insurance quotes but still work with a licensed agent. And supporting local agencies is definitely important in small towns and cities.
To find an agent, once you fill out this quick form, your coverage information is transmitted to local insurance agents that give free quotes for your auto insurance coverage. You won’t need to even leave your home since price quotes are sent immediately to your email address. You can get cheaper auto insurance rates and a licensed agent to talk to. If you want to get a rate quote from a specific auto insurance provider, just search and find their rate quote page and fill out their quote form.
If you want an insurance agent, there are a couple of different types of agents and how they function. Agents may be either independent agents or captive agents depending on their employer.
Independent Agents
Independent insurance agents do not write with just one company and that gives them the ability to insure with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your policy is moved internally and you don’t have to find a new agent. If you are comparing rate quotes, we highly recommend that you compare prices from several independent insurance agents so that you can do a thorough price comparison. Many can place coverage with small mutual carriers that can offer cheaper rates than bigger companies.
Captive Auto Insurance Agencies
Agents of this type have only one company to place business with like State Farm, Allstate and AAA. Captive agents cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Captive agents are highly trained on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently use the same captive agent mainly due to the brand name rather than low rates.
To find insurance agencies near you, link to this list of insurance agencies.
Deciding on an insurance agency should depend on more than just a cheap quote. Any agent should be willing to answer these questions.
- Are you getting all the discounts the company offers?
- What is the agency’s Better Business Bureau rating?
- Can you use your own choice of collision repair facility?
- Can you contact them at any time?
- Is the quote a firm price?
Auto insurance myths debunked
Auto insurance providers like State Farm, GEICO and Progressive seem to constantly run ads on television and other media. They all seem to have a common claim about how much you will save if you switch your auto insurance policy to them. How does every auto insurance company sell you cheaper insurance coverage? Just pay attention to how they say it.
Insurance providers have strict underwriting profiles for the type of insured that will add to their bottom line. A good example of a desirable risk should be over the age of 35, has few claims, and chooses high deductibles. Any driver that fits those parameters will probably get cheap rates and have a good chance to save some money.
Potential customers who don’t qualify for these standards will probably have to pay a higher rate and the customer buying from someone else. The trick is to say “customers that switch” but not “all drivers who get quotes” save that much. This is how insurance companies can lure you into getting a quote.
This really illustrates why you need to get a wide range of price quotes. It is impossible to guess which company will have better prices than you’re paying now.
Buy online or local, you save
As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped full coverage only to find out that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.
Insureds change insurance companies for a number of reasons such as poor customer service, high prices, denial of a claim and not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.
More affordable auto insurance is available on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these smaller providers sell through independent insurance agencies.
