Whether you're 16 or 60, speeding tickets and traffic violations can happen to the best of us. If you drive a Dodge in New York and have recently received a moving violation, you're probably worried that your car insurance rates are going to go through the roof as a result. And it's true: whether you are applying for a brand new car insurance policy or simply extending an existing one, traffic violations are often one of the most important factors for determining your car insurance rates. Thankfully, New York State offers drivers the option of taking part in a program that can help them remove points from their driving record AND decrease their car insurance rates.

Point & Insurance Reduction Program

Passed in the Spring of 2009, the Point & Insurance Reduction Program (also known as PIRP) gives drivers the option of enrolling in an accident prevention course provided by a number of approved course providers. By passing a PIRP course, drivers can:...

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Find more information on better coverage and lower premiums for your Dodge vehicle here!

While insurance fraud as a whole is nothing new in the world of crime, one specific type of insurance fraud has become an increasingly common way for thieves to line their pockets at the expense of law-abiding motorists: Staged Accidents. According to the National Insurance Crime Bureau (NICB), if you have your Dodge insured in the state of Florida, you have a much higher chance of falling victim to a staged accident than a driver in any other state. Since over 25% of all questionable bodily and personal injury claims occur in Florida, it is important for all Dodge owners in the state to understand the most common types of staged accidents and how to recognize and avoid them.

1. The Swoop and Squat: Usually involving two vehicles (besides the victim), this method involves one car acting as the "Squat" by pulling in front of the victim in traffic. A second car then "Swoops" in and cuts off the squatting vehicle who is forced to brake suddenly - causing the victim to rear-end the squatting car. After the swoop car flees the scene, the victim is left having to pay for the squat car's damages.
2. Side Swipe: Just as the name implies, this type of staged accident occurs when a victim drifts slightly out of their lane and is side-swiped by another vehicle in the adjacent lane. This occurs most commonly at...

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If you live in Texas and you're in the process of looking for car insurance for your new or used Dodge Ram, chances are you're also looking for ways to save money on your policy. Luckily for you, as a Texas resident you have an option that drivers in most other states do not: Pay-Per-Mile Insurance. As opposed to policies that are based on fixed premiums, Pay-Per-Mile insurance gives you the option to have your insurance premium set based on the amount of miles that you drive. People who don't drive a lot will end up saving money overall, while those that use their car frequently may end up paying more. Here's how Pay-Per-Mile insurance works:

1. Just like a regular policy, you start by getting a car insurance quote (this time on a per mile basis rather than yearly or bi-yearly)
2. You purchase a specific amount of miles each six months based on how much you think you're going to drive.
3. If you go over your allotted mileage amount, you can buy more miles. If you don't use all of your miles, you can usually roll them over into the next premium period.
4. The way that companies keeps track of your mileage may differ, although the most basic way is...

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