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Dodge Spirit Insurance Rates

There are many options when trying to insure your Dodge vehicle. You can buy from an insurance agent or shop online to compare insurance costs of lots of different providers. Shopping for auto insurance through online providers is easy and there is a good chance you may find lower rates.

Consumers not familiar with shopping for insurance may think finding cut-rate Spirit insurance is hard and time consuming. Finding a lower price on Spirit insurance is surprisingly easy. You just have to take a little time to compare quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Insurance premiums for your Dodge Spirit can fluctuate considerably based upon several criteria. Some of these factors include:

  • The performance level of your Spirit
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Mature drivers pay less
  • Being married may save money
  • Extra coverages like towing and rental
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Models that are new have a higher replacement value compared to older Dodge models so repair costs are higher which may result in higher rates. On the flip side, new Dodge models have more advanced features like a backup camera, autonomous braking, active head restraints, and all-wheel drive which may help offset higher rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Spirit below.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper Spirit insurance rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. PIP is not universally available and may carry a deductible.

How Much are Dodge Spirit Insurance Rates?