Lower Your 1991 Dodge Spirit Insurance Quotes

Car insurance shopping is not a process people relish, but it’s required in every state to be legal behind the wheel.

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. The purpose of this article is to let you in on the best way to quote coverages and some tips to save money. Nevertheless, vehicle owners do need to understand how the larger insurance companies price online insurance and use this information to your advantage.

Comprehensive Auto Insurance Comparison Quotes

There are several ways to compare quotes and find the best price. The recommended way to find the cheapest 1991 Dodge Spirit insurance rates is to use the internet to compare rates. This can be done in several different ways.

The best way to get quotes is to use a rate comparison form click to view form in new window. This type of form eliminates the need for boring form submissions to each individual auto insurance company. Taking the time to complete one form gets you coverage quotes from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A harder way to find lower rates is spending the time to visit each company’s website to complete their respective quote request forms. For example, let’s say you want to compare rates from USAA, Geico and Allstate. You would have to go to every website and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use exactly the same information for each comparison quote. If you use mixed coverages then you won’t be able to determine the best price for your Dodge Spirit. Having just a slight variation in limits could mean much higher rates. It’s important to know that more quotes provides better odds of finding a lower rate.

Why your Dodge Spirit insurance rates may be high

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for insurance coverage. Having a good understanding of what influences your rates enables informed choices that could result in lower insurance coverage prices.

The following are a few of the “ingredients” insurance coverage companies consider when setting premiums.

  • Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • High credit ratings translate to low rates – A driver’s credit history is a huge factor in determining what you pay for insurance coverage. So if your credit history is not that good, you could potentially save money when insuring your 1991 Dodge Spirit by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
  • Pay less if you’re married – Getting married can actually save you money when buying insurance coverage. It is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Special features that cut premiums – Owning a car with a theft deterrent system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies award discounts to drivers who do not file claims often. Insurance coverage is intended for the large, substantial claims.

Do you qualify for discounts?

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Safety Course Discount – Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Paperless Signup – Some insurance companies will give a small break just for signing your application on their website.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if your claims history is clear for a set time period.
  • Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.

It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will cut your overall premium however.

Companies that may offer these discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Savings may not apply in every state.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions may help highlight if your situation may require specific advice.

  • Why does it cost so much to insure a teen driver?
  • Am I covered if I drive in a foreign country?
  • Is upholstery damage covered by car insurance?
  • How does medical payments coverage work?
  • Do I need medical payments coverage since I have good health insurance?
  • Where can I find high-risk insurance?
  • Am I covered when pulling a rental trailer?
  • Does having multiple vehicles earn me a discount?
  • How much liability insurance is required?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage information

Having a good grasp of a auto insurance policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Spirit.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like hospital visits, funeral costs, dental work, ambulance fees and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision insurance

This pays for damage to your Spirit resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, bail bonds, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Make a quick buck

You just read many ways to shop for 1991 Dodge Spirit insurance online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.

Drivers change insurance companies for any number of reasons including questionable increases in premium, extreme rates for teen drivers, unfair underwriting practices and denial of a claim. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Lower-priced insurance is definitely available both online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Additional auto insurance information is available below: