Finding cheaper insurance for a new or used Dodge Magnum in Texas can be a painful process, but you can follow a few tricks to make it easier.
There is a right way and a wrong way to find car insurance online and we’ll show you the quickest way to quote coverages for a new or used Dodge and locate the lowest possible price.
It’s a fact that insurance companies don’t want their customers to go rate shopping. Drivers who shop around for cheaper rates will most likely switch companies because there is a high probability of finding a lower rate. A survey found that people who faithfully checked for cheaper rates saved over $860 a year as compared to drivers who don’t make a habit of comparing rates.
If finding the lowest price for Dodge Magnum insurance is the reason you’re here, understanding how to get price quotes and compare auto insurance can help simplify the process.
It’s a good idea to shop coverage around before your next renewal because prices tend to go up over time. Even if you got the lowest quotes on Dodge Magnum insurance in Dallas a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the quickest ways to find lower rates on car insurance.
If you have a current car insurance policy or are just looking to switch companies, use these cost-cutting techniques to find better prices while maximizing coverage. Quoting the most affordable coverage in Dallas is not that difficult. Drivers just need to learn the quickest method to shop instantly.
Car insurance providers offering competitive rates in Texas
The following companies have been selected to offer quotes in Dallas, TX. If the list has multiple companies, we suggest you click on several of them in order to find the lowest rates.
Informed Drivers Save More
An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the rates you pay for car insurance. If you know what influences your rates, this helps enable you to make changes that could help you find cheaper rates. Many factors are used when pricing auto insurance. Most are fairly basic such as your driving record, although others are not as apparent such as your credit history or your commute time.
The itemized list below are some of the things used by companies to determine your prices.
Never allow your car insurance policy to lapse – Letting your insurance expire is a quick way to bump up your car insurance costs. Not only will rates go up, the inability to provide proof of insurance will get you fines or a revoked license. You may need to prove you have insurance by filing a SR-22 with the Texas motor vehicle department.
Raising coverage deductibles saves money – Insurance for physical damage, aka comp and collision, protects your Dodge from damage. Some examples of claims that would be covered are a dented fender, vandalism, or theft. Comprehensive and collision coverage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you have to pay, the bigger discount you will receive.
Teenage driver insurance premiums – More mature drivers are more cautious drivers, cause fewer claims and accidents, and usually have better credit. Inexperience drivers are known to get distracted easily in a vehicle therefore car insurance rates are much higher.
More policies can equal more savings – Most major car insurance companies afford discounts to policyholders that have more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to get quotes from other companies to verify if the discount is saving money. Drivers may still save even more than the discount even if you insure with multiple companies
Choose high safety ratings and save – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you. If your Dodge Magnum has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Drivers with high credit save – Having a bad credit score can be an important factor in determining what you pay for car insurance. Insureds with high credit scores tend to be more responsible and file fewer claims than drivers who have bad credit. Therefore, if your credit history can use some improvement, you could pay less to insure your Dodge Magnum if you improve your credit rating.
Lower rate quotes by taking advantage of discounts
Insurance is not cheap nor is it fun to buy but companies offer discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but a few must be manually applied prior to receiving the credit.
- Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Student in College – Youth drivers who live away from home at college and don’t have a car may qualify for this discount.
- Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
- Own a Home – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
- Senior Discount – Drivers over the age of 55 can get a small decrease in premiums.
- Multiple Vehicles – Buying coverage for multiple cars on one policy could earn a price break for each car.
- Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on Dallas car insurance quote in comparison with drivers with a long claim history.
We need to note that most credits do not apply the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.
A few of the larger companies and their offered discounts are outlined below.
- Travelers policyholders can earn discounts including IntelliDrive, multi-policy, student away at school, good student, hybrid/electric vehicle, and new car.
- 21st Century offers discounts including anti-lock brakes, defensive driver, driver training, air bags, student driver, and automatic seat belts.
- State Farm discounts include good student, safe vehicle, good driver, Drive Safe & Save, defensive driving training, and passive restraint.
- GEICO may have discounts that include membership and employees, federal employee, daytime running lights, anti-theft, multi-policy, emergency military deployment, and air bags.
- SAFECO has discounts for teen safety rewards, safe driver, accident prevention training, bundle discounts, anti-theft, anti-lock brakes, and homeowner.
- AAA has savings for education and occupation, pay-in-full, AAA membership discount, multi-policy, multi-car, and good student.
Double check with all the companies which credits you are entitled to. Some discounts may not apply in your area.
Insurance agencies can help
Many drivers prefer to get professional advice from a licensed agent and we recommend doing that Good agents are trained risk managers and help file insurance claims. One of the benefits of comparing insurance online is that drivers can save money and get the lowest rates but still work with a licensed agent. Buying from and supporting neighborhood agents is important particularly in Dallas.
By using this form (opens in new window), your insurance data is transmitted to agents in your area who will give competitive quotes for your insurance coverage. You don’t have to find an agent on your own due to the fact that quote results will go to your email. If for some reason you want to quote rates from a specific insurance company, don’t hesitate to visit that company’s website and complete a quote there.
Listed below is a short list of insurance companies in Dallas that may be able to provide price quote information for Dodge Magnum insurance in Dallas.
- Danny Venz – State Farm Insurance Agent
3218 Oak Lawn Ave – Dallas, TX 75219 – (214) 521-1400 – View Map
- Todd Schara – State Farm Insurance Agent
516 S Hampton Rd #140 – Dallas, TX 75208 – (214) 943-7500 – View Map
- Marybel Castilleja – State Farm Insurance Agent
4444 W Jefferson Blvd Ste 620 – Dallas, TX 75211 – (214) 331-7680 – View Map
- Rodriguez Insurance Agency LLC
13111 N Central Expy Suite 8001 – Dallas, TX 75243 – (888) 797-1924 – View Map
Picking the best insurer shouldn’t rely on just a cheap price quote. Some important questions to ask are:
- Can glass claims be handled at your home?
- Which family members are covered?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Is there a Errors and Omissions policy in force?
- Are there any discounts that you might be missing?
If you get answers to your satisfaction for all questions you ask as well as an affordable premium quote, you may have found a company that is reliable enough to insure your vehicles. But keep in mind it’s your coverage and you can cancel a policy for any reason so don’t assume that you are permanently stuck with a specific agent indefinitely.
One last note
Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, policy cancellation, delays in paying claims and poor customer service. Whatever your reason, finding a new company can be easy and end up saving you some money.
Some companies do not offer price quotes online and most of the time these smaller providers prefer to sell through independent agents. Lower-priced insurance in Dallas is definitely available from both online companies and also from your neighborhood Dallas agents, and you need to price shop both so you have a total pricing picture.
When you buy Dallas car insurance online, do not skimp on coverage in order to save money. In many instances, someone dropped full coverage to discover at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.
Steps to buying lower priced Dodge Magnum insurance in Dallas
If saving the most money is your goal, then the best way to get cheaper Dodge Magnum insurance in Dallas is to start comparing prices regularly from companies in Texas. You can shop around by following these steps.
- Step 1: Learn about car insurance and the things you can change to lower rates. Many rating criteria that drive up the price such as careless driving and an imperfect credit history can be eliminated by making minor changes in your lifestyle.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices for a wide range of companies.
- Step 3: Compare the price quotes to your existing rates to determine if you can save on Magnum insurance in Dallas. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
One key aspect of rate comparisons is to use similar coverage information on every price quote and and to get price estimates from as many different insurance providers as possible. This guarantees a fair rate comparison and the best price selection.
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