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Dodge Colt Insurance Rates

Finding cheaper car insurance through online providers can be fast and easy and there is a good chance you may find lower rates. The most important part is to take the time to get rates from all companies so you can get the lowest priced insurance.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways of comparing rates from local car insurance companies. The best method to find competitive Colt insurance cost is to perform an online rate comparison. This can be accomplished by completing this short form.

Insurance premiums on a Dodge Colt can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Male rates may be higher
  • Low deductibles cost more
  • Safety rating of your Colt
  • Your job
  • Your coverage level
  • Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new Dodge models so the cost to replace them may result in lower rates. On the flip side, newer vehicles have more advanced features like all-wheel drive, a telematics system, and autonomous braking which can give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability auto insurance - This coverage can cover damage that occurs to people or other property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage - This covers damage to your Dodge resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Colt can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper Colt insurance rates.

Comprehensive (Other than Collision) - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance - Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Colt Insurance Rates?