Insure a Dodge W150 Pickup like a Penny Pincher
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Cutting the check for each renewal on your Dodge W150 Pickup might give you the same feeling.
Step One: Compare Apples-to-Apples Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Times have changed!
The first step to finding lower Dodge W150 Pickup rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your W150 Pickup.
Step Two: Top Ways to Get Lower W150 Pickup Insurance
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- If your W150 Pickup 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 over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
Step Three: Finalize your Policy Details
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
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 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. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new W150 Pickup.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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