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:...
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.
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.
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...
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:
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)
You purchase a specific amount of miles each six months based on how much you think you're going to drive.
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.
The way that companies keeps track of your mileage may differ, although the most basic way is...
Looking for car insurance in California? Wondering what type of rates you might be looking at in your area?
The highest monthly payment (Beverly Hills) is almost twice as much as the lowest monthly payment (San Luis Obispo) - clearly illustrating that where you decide to live in California can end up costing (or saving you) almost $1,000 a year on your car insurance coverage.
While premiums are determined by many different factors, here are some reasons why geography plays an important role in shaping insurance costs:
Crime Rates: Logically, cars that are driven (and parked overnight) in areas with high crime rates have a higher chance of getting broken into, damaged or stolen.
Uninsured Motorists: Some areas have much higher rates of drivers who don't have insurance. Since the likelihood of having an accident with someone who can't pay for damages is...
Gap insurance for your leased Dodge Dakota is not only a good idea financially, it's often a requirement for purchasing a leased vehicle. Gap insurance refers to an insurance plan that covers the remaining cost of a leased vehicle that you have not yet paid out to the leasing company. If you're looking for Dodge Dakota gap insurance, there are a few important things that you'll need to keep in mind. Read on for a few tips on getting insurance to protect this unpaid portion of the car.
1. Gather up Leasing Documents: Without the proper leasing documents and records for the car, it will be impossible for you to get leasing insurance. Make sure you have all of the materials that the leasing company provided you with at the time of signing. Being organized and having all of the correct documents can also help make...
While most people pay their car insurance bills each month without paying much attention to the different types of coverage they have, savvy Dodge Dakota owners will take the time to understand and examine their car insurance policy to make sure that they have the correct amount of each type of coverage. While some level of insurance coverage is required for all drivers, the amount and type of coverage you have can significantly affect both your insurance premium and the amount of reimbursement you receive if you need to file a claim. Here are some of the most common types of insurance coverage that you may need to consider:
Liability Insurance: Just as its name states, liability insurance covers you against damages to other drivers and their cars that you are liable for in the case of an accident where you are at fault. There are two main types of liability coverage: Bodily Injury Liability (which covers any medical expenses in the event of an injury) and Property Damage Liability (which covers...
When it comes to paying the car insurance premium on your Dodge Challenger each month, it's not always apparent exactly how your insurance rates are calculated and what factors determine the overall cost of your coverage. While it may be easier to just pay your bill each month and save your energy for more important issues, you could end up losing out on hundreds of dollars a year in savings that can come from having a basic understanding of how insurance rates are determined and the simple steps you can take to lower your insurance bills. Here are some of the quickest ways to start saving money on your car insurance today:
Raise YourDeductible: If you don't already know, your deductible is the amount of money that you have to pay out of pocket for damages before your car insurance company starts reimbursing you. By simply raising your deductible from $500 to $1000 (or even $1500), you could lower your monthly payments by as much as $50 a month (or $600 a year). Be careful though...
Even within the same city, drivers in different zip codes can end up paying different rates to insure their vehicles. And while you're probably not going to change where you live based on the potential insurance costs, it does help to get a general idea of what people in different areas pay for insurance.
Since California and New York are two of the biggest states in terms population, we'll take a look at some examples of Dodge Challenger insurance costs in different parts of each state to illustrate how much region can affect insurance costs...
You've just purchased a brand new Dodge Ram and you're itching to take it out on the road to see what it can do. But before you kick up some dust off-roading, you're going to want to make sure that your new baby is fully insured in case anything happens. And while searching for car insurance quotes rates pretty low on the "Fun" scale, it's one of the most important things you can do to make sure you have your car for a long time to come. Since most of us aren't experts at finding auto insurance quotes, we've put together this list of help tips to get you started in the right direction.
Figure out how much coverage you need before hand: Getting a car insurance quote will require you to make a lot of decisions about the amount of coverage you want. Things such as how much liability coverage is required in your state, how much property coverage you want (if you want it at all), how much you can afford to pay as a deductible and...
When purchasing a new vehicle, one of the factors that you are going to need to consider is the cost of insuring it. Insurance rates can vary dramatically based on the year, make and model of your car - even among relatively similar vehicles. While Yahoo Autos estimates the yearly cost of insuring a 2010 Dodge Ram 3500 Regular Cab 4X4 at around $1600,that number can increase or decrease significantly due to a number of different factors. Before you decide to purchase that sparkly new Ram (or a lower-priced used version), it helps to know how different factors can affect your insurance costs:
Factors that Can Increase Insurance Rates
If you own a top-of-the-line, brand new Dodge Ram with all of the amenities. In general, the more your car is worth, the more expensive it will be to insure.
