1992 Dodge Spirit Insurance Rates

Trying to find better insurance coverage rates for your Dodge Spirit? Searching for the cheapest insurance coverage on the internet may be impossible for consumers not familiar with shopping for insurance online. With such a large number of online companies, how can drivers effectively compare every company to locate the cheapest rates?

It’s a great practice to shop coverage around once or twice a year due to the fact that insurance rates change quite often. Just because you had the best rates on Spirit insurance two years ago you can probably find a lower rate today. There is a lot of wrong information about insurance coverage online but with this article, you’re going to get a bunch of ideas how to slash your insurance coverage rates.

Car Insurance Comparison Rates

There are several ways of comparing rate quotes from car insurance companies in your area. One of the best ways to find competitive 1992 Dodge Spirit insurance rates is to get quotes online. This can be accomplished using a couple different methods.

  1. The recommended way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form keeps you from doing boring form submissions for every car insurance company. One form submission will get you rate comparisons from multiple companies. It’s the fastest way to compare.
  2. A harder way to get quotes online is to take the time to go to each company’s website and request a quote. For examples sake, let’s say you want to compare State Farm, Liberty Mutual and Geico. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The hardest method to get comparison rates is to spend your day driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you want the professional advice that only a license agent can provide. You can, however, compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but ensure you are comparing the exact same information for every company. If you enter mixed coverages it will be very difficult to make a fair comparison for your Dodge Spirit. Slightly different limits may result in a large different in cost. And when comparison shopping, having more price comparisons helps locate the best offered rates.

Elements that influence Dodge Spirit insurance rates

Smart consumers have a good feel for the factors that help determine insurance coverage rates. Understanding what influences your rates helps enable you to make changes that will entitle you to lower insurance coverage prices.

The following are a few of the “ingredients” that factor into prices.

  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge Spirit earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Liability coverage protects you – Liability coverage is the protection when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Traffic citations inflate rates – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Only having one ticket can bump up the cost by twenty percent. Drivers with flagrant tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Extra add-on coverages are wasting money – There are quite a few add-on coverages you can purchase on your Spirit policy. Coverages like personal injury protection, better glass coverage and term life insurance are some examples. These coverages may sound good initially, but if they’re wasting money get rid of them and save.
  • Being married is a good thing – Being married can actually save you money on insurance coverage. It usually means you are more mature than a single person and it’s proven that being married results in fewer claims.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both are in accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • With age comes lower rates – Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are known to be less responsible behind the wheel therefore insurance coverage rates are much higher.

Take advantage of discounts

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Some trigger automatically at the time you complete a quote, but a few must be requested specifically prior to receiving the credit.

  • Homeowners Discount – Owning a home may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Spirit insurance with select insurance companies.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Discount – Mature drivers may qualify for a small decrease in premiums on Spirit insurance.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

It’s important to note that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will cut the amount you have to pay.

Car insurance companies that may have some of the above discounts include:

It’s a good idea to ask each insurance company how you can save money. Some discounts might not apply everywhere.

How to know if you need help

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions might point out whether your personal situation will benefit from professional help.

  • What is UM/UIM insurance?
  • When do I need to add a new car to my policy?
  • When should I buy a commercial auto policy?
  • How can I find cheaper teen driver insurance?
  • Does my 1992 Dodge Spirit need full coverage?
  • Should I have combined single limit or split liability limits?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when driving someone else’s vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I hit a deer?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

The coverage is in the details

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills such as X-ray expenses, pain medications and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability – Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income, attorney fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, falling objects, theft, damage from getting keyed and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision insurance will pay to fix damage to your Spirit resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Be a smart shopper

We just covered many ways to compare 1992 Dodge Spirit insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from the least-expected company.

People leave their current company for a number of reasons such as unfair underwriting practices, policy non-renewal, denial of a claim and high rates after DUI convictions. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.

Low-cost insurance is possible both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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