Compare 1990 Dodge Spirit Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Dodge Spirit? Are you tired of scraping the payment together each month for car insurance? You are no different than the majority of other car owners.

Drivers have multiple insurers to insure vehicles with, and though it is a good thing to have a selection, so many choices can make it hard to find a good deal.

It’s a good habit to take a look at other company’s rates yearly because rates are rarely the same from one policy term to another. Even if you think you had the best rates on Spirit coverage a year ago you may be paying too much now. Starting right now, block out anything you think you know about insurance coverage because we’re going to show you the best way to remove unneeded coverages and save money.

Dodge Spirit rates are in the details

It’s important that you understand the factors that come into play when calculating your auto insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

The list below includes some of the factors that factor into your rates.

  • Claim-free discounts can add up – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Companies award lower rates to policyholders who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Lower deductibles cost more – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage caused by hail, and windstorm damage. The more you’re willing to pay, the less your company will charge you for insurance on Spirit coverage.
  • Equipment add-ons that lower auto insurance rates – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Lower miles equals lower premium – The more you drive every year the higher your rate. Almost all companies apply a rate based on their usage. Cars and trucks not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance policy shows the correct driver usage. If your policy improperly rates your Spirit may be costing you.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Careers like judges, executives and dentists are shown to have the highest average rates in part from stressful work requirements and lots of time spent at work. Other professions such as farmers, historians and performers pay the least on Spirit coverage.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If your Dodge scored better than four stars on Safercar.gov it is probably cheaper to insure.

Don’t pay full price with these discounts

Companies offering auto insurance don’t always list all their discounts very clearly, so we break down some of the best known and the more hidden ways to save on insurance coverage.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Senior Discount – Mature drivers may be able to get reduced rates on Spirit coverage.
  • Student in College – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.

Consumers should know that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of companies who offer insurance coverage discounts, follow this link.

Can you really save $479 a year?

Car insurance providers like State Farm, Allstate and Geico constantly bombard you with ads on TV and radio. They all say the same thing that you can save if you switch your coverage to them. How does each company say the same thing?

Insurance companies have a preferred profile for the driver that earns them a profit. For instance, a desirable insured could be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for these standards will be charged higher prices and this can result in business going elsewhere. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can claim big savings. That is why it is so important to get as many quotes as possible. It’s impossible to know the company that will have the lowest Dodge Spirit insurance rates.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can aid in determining if you will benefit from professional help.

  • Does coverage extend to a rental car in a foreign country?
  • Does medical payments coverage apply to all occupants?
  • When would I need rental car insurance?
  • Which is better, split liability limits or combined limits?
  • Am I covered by my spouse’s policy after a separation?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverages explained

Understanding the coverages of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages available from auto insurance companies.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a broken windshield, hitting a bird and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for doctor visits, X-ray expenses, dental work, chiropractic care and pain medications. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability

Liability coverage protects you from damage or injury you incur to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like pain and suffering, structural damage, emergency aid and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Dodge Spirit.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage

This coverage pays for damage to your Spirit caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, rolling your car, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Shop around and save

Discount 1990 Dodge Spirit insurance can be found online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned a lot of ways to save on insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the lowest rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

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