Penny Pincher Insurance for your Dodge 2000 GTX
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But most likely we pay more than we want to and don't really enjoy the buying process. Cutting the check for each renewal on your Dodge 2000 GTX might give you the same feeling.
Step One: Compare Multiple Rate Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Welcome to the NEW way to buy car insurance!
Comparing apples-to-apples price quotes for your Dodge 2000 GTX is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Use the Same Coverages! It's really important that when doing multiple quotes for your 2000 GTX 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: How to Lower your 2000 GTX Insurance Premium
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your 2000 GTX that will also lower the rate you pay irregardless of which company you choose.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
Step Three: Finalize your Policy Details
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your 2000 GTX that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If the Dodge 2000 GTX is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Be sure to have a new policy ready to go if you are buying a new 2000 GTX. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance 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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