Compare 1994 Dodge Stealth Car Insurance Quotes

Want cheaper insurance rates for your Dodge Stealth? No one in their right mind looks forward to paying for insurance, particularly when their premiums are too high. Companies like Geico and Progressive continually bombard you with catchy ads and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

Low Cost Car Insurance

Getting a lower price on 1994 Dodge Stealth insurance is not rocket science. You just have to take the time to compare rate quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The first (and easiest) way to find low rates is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating repetitive form entry for each company. One form submission gets rate comparisons from multiple companies.
  • A slightly less efficient method to obtain and compare quotes online is to take the time to go to the website for every company you want to comare to request a price quote. For example, we’ll assume you want rates from State Farm, 21st Century and Farmers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming method of getting rate comparisons is to drive around to different agent offices. The internet eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. However, consumers can get prices online and still use a local agent.

However you get your quotes, make darn sure you compare the exact same coverages and limits with each company. If your comparisons have different deductibles you can’t possibly determine the lowest rate for your Dodge Stealth.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known ways to save on insurance. If they aren’t giving you every credit possible, you are throwing money away.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Stealth insurance with select insurance companies.
  • Defensive Driving Course – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Passive Restraints – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Stealth insurance than their less cautious counterparts.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Paperless Signup – A few companies will give a small break for buying your policy digitally online.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Accident Free – Claim-free drivers can earn big discounts as compared to drivers who are more careless.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

A partial list of companies who might offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. Savings might not apply in your area.

Car insurance is unique, just like you

When choosing coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine whether or not you would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • How much liability coverage do I need in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Where can I find high-risk insurance?
  • If my pet gets injured in an accident are they covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why am I required to buy high-risk coverage?
  • Should I rate my 1994 Dodge Stealth as pleasure use or commute?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy coverages for a 1994 Dodge Stealth

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Collision coverage protection

Collision insurance covers damage to your Stealth resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as rehabilitation expenses, surgery, chiropractic care and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

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

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability

This coverage protects you from damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like emergency aid, medical services, funeral expenses and loss of income. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.