Compare 1994 Dodge Spirit Insurance Cost

Searching for the cheapest insurance coverage rates for your Dodge Spirit? Are you tired of being strong-armed to insure your Dodge every month? You are no different than most other car owners.

Lots of auto insurance companies contend for your business, so it’s not easy to compare every insurance company and uncover the absolute best rate

It’s important to check insurance coverage prices at least once a year because rates change quite often. Just because you found the best deal for Spirit coverage last year you may be paying too much now. You can find a lot of wrong information about insurance coverage on the internet, so with this article, you’re going to get some great ideas on how to find affordable insurance coverage.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance is not that difficult. But drivers can benefit from knowing how the larger insurance companies market on the web and apply this information to your search.

How to Buy Car Insurance Online

All major car insurance companies quote insurance quotes online. Getting online quotes is quite simple as you just enter your coverage preferences as detailed in the form. After you submit the form the company’s rating system gets your credit score and driving record and returns a price quote determined by many factors. Online quotes helps simplify price comparisons, but the time it takes to visit multiple sites and type in the same information gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to get better prices.

An easier way to lower your car insurance bill is to use a quote form that gets prices from more than one company. It saves time, requires much less work on your part, and makes online price comparison much more efficient. As soon as you send your information, your coverage is rated and you are able to buy any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

To get comparison pricing now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you copy your coverages as close as possible to your current policy. Doing this assures you will have rate comparison quotes using the exact same coverages.

Do you qualify for a discount?

Car insurance is not cheap, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but some must be specifically requested before you will receive the discount.

  • 55 and Retired – Older drivers may qualify for better insurance coverage rates for Spirit coverage.
  • Bundle and Save – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Spirit coverage than their less cautious counterparts.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Homeowners Discount – Being a homeowner can save you money because owning a home demonstrates responsibility.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. But any discount will cut the cost of coverage.

For a list of providers with the best insurance coverage discounts, click this link.

What coverages do I need?

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • Why do I need rental car insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability insurance is required?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will filing a claim cost me more?
  • Do I need higher collision deductibles?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance policy coverages for a 1994 Dodge Spirit

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Coverage for liability – This protects you from injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover 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. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, court costs, loss of income, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision – This coverage pays for damage to your Spirit resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, colliding with another moving vehicle, crashing into a building, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like pain medications, nursing services and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Spirit.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, theft, damage from getting keyed and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Cheaper insurance is a realistic goal

We just covered a lot of tips how to compare 1994 Dodge Spirit insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the lowest premiums are with the least-expected company. They may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

Affordable insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some companies may not provide online price quotes and these small insurance companies work with independent agents.

Additional detailed information can be found at these sites: