Insure Your Dodge Shadow For Less Than You Are Paying Now
If we enjoyed shopping for car insurance, we'd do it more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Insuring your Dodge Shadow is probably no exception.
Step One: Get Insurance Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Life has gotten easier!
You can compare insurance rates for a Dodge Shadow 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.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Quote Tip! In order to accurately compare rates for your Shadow, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Insure your Shadow for Less
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Shadow insurance rates.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- If you're a young driver, you will pay more to insure a Shadow. There isn't anything you can do about your age, but rates will drop as you mature.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- 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%.
- 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.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- If your Shadow ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
Step Three: Choose a Company and Bind Coverage
Once you have compared identical rate quotes for your Shadow and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. Be sure to have a new policy ready to go if you are buying a new Shadow. 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.
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. 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
To do more research on car insurance, visit the Insurance Information Institute website.