How to Save Money on Insurance for your Plymouth Sundance
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. You might feel the same pain when having to pay the bill on your Plymouth Sundance.
Step One: Compare Multiple Rate Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. Now that we have the internet, shopping for car insurance online is a snap!
You can compare insurance rates for a Plymouth Sundance simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Important! If you already have liability and physical damage coverage on your Sundance, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: How to Save on Sundance Insurance
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 Sundance that will also lower the rate you pay irregardless of which company you choose.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- 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.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Sundance falls into either category, it could cost you.
Step Three: Choose the Right Company for You
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Coverage will extend from your current policy if you're buying a Plymouth Sundance, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Sundance. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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