Lower Your 1993 Dodge Spirit Insurance Cost

Want lower insurance rates for your Dodge Spirit? Trying to find low-cost insurance for a new or used Dodge Spirit can normally be a painful process, but you can use a few tricks to make it easier.

There is a better way to shop for insurance and you need to know the proper way to compare rates for a new or used Dodge and locate the lowest possible price from local insurance agents and online providers.

You need to price shop coverage on a regular basis because prices change frequently. If you had the best rates for Spirit coverage on your last policy the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance on the web, but I’m going to show you some of the best ways to stop overpaying for insurance.

Pricing more affordable protection is simple if you know the tricks. If you are insured now or need a new policy, you can use this information to find the best rates while maintaining coverages. Drivers just need to know the most efficient way to compare price quotes online.

Discounts mean cheaper Dodge Spirit insurance rates

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. Some trigger automatically when you purchase, but some must be specially asked for prior to receiving the credit. If you don’t get every credit possible, you’re just leaving money on the table.

  • Driver Safety – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Spirit coverage with select insurance companies.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Low Mileage – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Spirit coverage than their less cautious counterparts.
  • Senior Discount – If you’re over the age of 55, you may qualify for reduced rates for Spirit coverage.

It’s important to note that most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any amount of discount will reduce your overall premium however.

Car insurance companies that may have these benefits include:

Double check with every prospective company how you can save money. Some discounts may not be available everywhere.

Quick Car Insurance Quotes

Effectively comparing car insurance prices can take hours if you don’t utilize the most efficient way. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get prices fast.

Many companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each company returns a rated price based on that data. This saves time by eliminating quote requests for each company you want a rate for.

To compare 1993 Dodge Spirit rates using this form now click here to start a free quote.

The only drawback to doing it this way is you can’t choose the providers you will receive quotes from. So if you want to choose individual companies to compare prices, we put together a list of the cheapest car insurance companies in your area. Click to view list.

However you get your quotes, make darn sure you compare apples-to-apples coverage information for each comparison quote. If each company quotes differing limits then you won’t be able to truly determine the lowest rate.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions might point out if you will benefit from professional help.

  • Do I need special endorsements for business use of my vehicle?
  • Does car insurance cover theft of personal property?
  • Why am I required to buy liability insurance?
  • When does my teenage driver need to be added to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should I not file a claim?
  • Does my insurance cover a custom paint job?
  • If my 1993 Dodge Spirit is totaled, can I afford another vehicle?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see 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. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, emergency aid, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses like EMT expenses, prosthetic devices, ambulance fees and chiropractic care. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Spirit.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from getting keyed, a tree branch falling on your vehicle, falling objects and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More comparisons equals lower rates

People change insurance companies for any number of reasons including poor customer service, policy non-renewal, high rates after DUI convictions or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

In this article, we covered quite a bit of information on how to lower your 1993 Dodge Spirit insurance rates. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with a small mutual company.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at an affordable rate.

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