How Much Does 1993 Dodge Dynasty Car Insurance Cost?

Trying to find cheaper car insurance rates for your Dodge Dynasty? No one in their right mind likes paying for car insurance, particularly when the price is too high. You have multiple car insurance companies to choose from, and even though it’s nice to have multiple companies, so many choices can make it hard to compare company pricing.

It’s a good habit to get comparison quotes on a regular basis since rates tend to go up over time. If you had the best deal for Dynasty coverage six months ago you may be paying too much now. There is a lot of bad advice regarding car insurance online, so I’m going to show you some of the best ways to save money.

Insurance Coverage Prices

Finding lower insurance coverage rates is not a difficult process. You just have to take a couple of minutes comparing price quotes from different insurance companies. This can be accomplished using a couple different methods.

  • The fastest way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do separate quotes for every insurance coverage company. One simple form gets you price quotes from all major companies.
  • A less efficient way to get quotes online is to manually visit each individual company website to complete their respective quote request forms. For example, we’ll pretend you want to compare rates from Progressive, Esurance and Travelers. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage limits with each company. If you enter different values for each quote then you won’t be able to make a fair comparison for your Dodge Dynasty.

How to save on Dodge Dynasty insurance

Companies don’t necessarily list every available discount very clearly, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
  • Government Employees – Active or retired federal employment can save as much as 8% for Dynasty coverage with a few insurance companies.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • College Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

For a list of insurers with the best insurance discounts, follow this link.

Parts of the Dodge Dynasty rate equation

Smart consumers have a good feel for the rating factors that help determine the price you pay for insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with big savings.

The following are some of the items that factor into rates.

  • Your insurance rates can be influenced by your job – Jobs such as lawyers, social workers and accountants tend to have higher rates than average in part from high stress and long work hours. On the flip side, jobs such as farmers, athletes and retirees receive lower rates for Dynasty coverage.
  • Rural vs Urban Areas – Being located in a rural area has it’s advantages when buying insurance. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities tend to have congested traffic and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Drive less and save money – The more you drive each year the more you will pay for insurance. Most insurance companies price each vehicle’s coverage based on their usage. Cars and trucks left parked in the garage receive lower rates than vehicles that are driven to work every day. An improperly rated Dynasty can result in significantly higher rates. Make sure your insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Teen drivers pay high rates – Older insureds tend to be more responsible, file fewer claims and receive fewer citations. Young drivers are known to get distracted easily when behind the wheel therefore insurance rates are much higher.
  • Do you need the policy add-ons? – There are quite a few add-on coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and term life insurance are examples of these. They may seem like a good idea initially, but if they’re wasting money remove them from your policy.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine whether you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • What exactly is covered by my policy?
  • When should I not file a claim?
  • Do I pay less for low miles?
  • Which companies will insure high-risk drivers?
  • When should I drop full coverage on my 1993 Dodge Dynasty?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is covered by UM/UIM coverage?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average car insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills for funeral costs, doctor visits, X-ray expenses and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This can cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Dynasty.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision coverage will pay to fix damage to your Dynasty caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail, driving through your garage door, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, fire damage, hail damage and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a money saver!

In this article, we covered many tips how you can shop for 1993 Dodge Dynasty insurance online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the best prices are with a smaller regional carrier. They may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

Lower-priced insurance is possible online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

Additional information is available at the links below