Finding Cheaper Auto Insurance for a Chrysler Daytona Made Easy

Having to pay for overpriced auto insurance can drain your bank account, especially in this economy. Comparing price quotes is a great way to slash your bill and have more diposable income. Because there are so many options when it comes to auto insurance, it can be challenging to pick the best car insurance company.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Drivers just need to know the tricks to shop for auto insurance over the internet.

Lots of discounts mean lots of savings

Auto insurance companies don’t always list every available discount very clearly, so the following is a list of both the well known and also the lesser-known ways to save on auto insurance. If you’re not getting every credit you qualify for, you are throwing money away.

Defensive Driver – Taking a course in driver safety could save 5% or more depending on where you live.
Discount for Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
Own a Home – Being a homeowner may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Use Seat Belts – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Safe Drivers – Insureds without accidents can pay as much as 50% less on Daytona coverage than their less cautious counterparts.

It’s important to understand that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous.

When might I need an agent?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

Do I need rental car coverage?
Is pleasure use cheaper than using my Chrysler Daytona to commute?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?
Is my business laptop covered if it gets stolen from my vehicle?
How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

What about my local agents?

Some people prefer to talk to a local agent and that is OK! Licensed agents can answer important questions and give you peace of mind. One of the best bonuses of comparing rates online is you can get better rates and still have an agent to talk to.

By using this form (opens in new window), your insurance data is sent to local insurance agents who will return price quotes to get your business. You don’t have to drive around because quoted prices will be sent to your email. Now that’s easy!

Deciding on an insurance company shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:

Do they have any clout with companies to ensure a fair claim settlement?
Are there any hidden costs in their price quote and does it include driving and credit history?
Did they already check your driving record and credit reports?
Are you getting all the discounts the company offers?
Is the agency involved in supporting local community causes?
Do they make recommendations based only on price?
Do they review policy coverages at every renewal?

Car insurance agents are either independent or captive

When searching for local agents, there are two different types of agents to choose from. agents are either captive or independent (non-captive). Either one can write coverage properly, but it’s worth learning the difference between them since it can impact buying decisions.

Captive Insurance Agents

This type of agents write business for a single company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. These agents receive extensive training in insurance sales which helps them compete with independent agents.

Independent Insurance Agents

Independent agencies are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When searching for an agent, it’s a good idea to contact at least one independent agent for maximum quote selection.

For a full directory of auto insurance agents, visit this site.

After getting positive responses for all questions you ask as well as a affordable price, you have narrowed it down to an auto insurance agent that meets your needs to insure your vehicles.

Online plus local equals savings

When shopping online for auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability limits or collision coverage only to regret that it was a big error on their part. Your aim should be to buy enough coverage at the best price.

Cheaper Chrysler Daytona insurance is available from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.