Cheap 1991 Dodge Spirit Insurance Rates

Expensive car insurance can drain your personal savings and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Big-name insurance companies like GEICO and Progressive all claim big savings with ads and it can be hard to separate fact from fiction and find the best price available.

It’s important to shop coverage around occasionally since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Spirit insurance a couple years back you can probably find a lower rate today. There is a lot of bad information regarding car insurance online but I’m going to show you some guaranteed methods to put money back in your pocket.

Lesser-known factors impacting Dodge Spirit insurance rates

An important part of buying insurance is that you know the different types of things that go into determining car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Teen drivers pay high rates – Teen drivers have a tendency to get distracted easily when driving so car insurance rates are higher. Having to add a youthful driver onto a policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. They both are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
  • Multiple policies with one company can save – Most insurance companies give discounts to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to comparison shop to ensure the best deal.
  • Bad driving skills means higher rates – Only having one citation can boost insurance rates by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.

Fast and Easy Insurance Quotes

Most companies such as Progressive, Allstate and GEICO allow you to get price estimates on the web. Obtaining pricing is pretty easy as you just type in the amount of coverage you want as detailed in the form. Once you submit the form, their system sends out for your credit score and driving record and generates pricing information based on many factors. Quoting online makes comparing rates easy, but the process of having to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s very important to compare as many rates as possible in order to find the lowest price.

Quote rates the easy way

An easier way to compare rates requires only one form to return rates from many companies. It’s a real time-saver, requires less work, and makes comparison shopping much more efficient. Once the form is submitted, your coverage is rated and you are able to buy any of the pricing results.

If you find a better price you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and could lower your rates considerably.

To save time and compare rates now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you replicate coverages and limits as shown on your current policy. This ensures you are getting an apples-to-apples comparison based on similar coverages.

Buyer beware of auto insurance advertising tricks

Consumers constantly see and hear ads for cheaper car insurance by companies like Progressive, Allstate and GEICO. All the ads make the same claim of big savings after switching to them.

How can each company make almost identical claims?

All companies have a certain “appetite” for the right customer they prefer to insure. An example of a desirable insured could possibly be over the age of 50, a clean driving record, and has great credit. A propective insured who meets those qualifications will get the preferred rates and most likely will save when they switch companies.

Consumers who don’t qualify for this ideal profile will be charged more money and ends up with business not being written. The ads say “customers that switch” not “people who quote” save that much money. That is how companies can truthfully claim big savings.

That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict which auto insurance company will give you the biggest savings on Dodge Spirit insurance.

Do you qualify for discounts?

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but a few must be asked for prior to receiving the credit. If you’re not getting every credit available, you’re just leaving money on the table.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Senior Discount – Mature drivers may be able to get better insurance rates on Spirit insurance.
  • Accident Forgiveness – A few companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.

It’s important to note that most discount credits are not given to the entire cost. Most cut individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will cut your premiums.

A partial list of companies that may offer these money-saving discounts include:

Check with each insurance company how you can save money. Discounts may not be available in your state.

Don’t assume everyone needs the same coverage

When choosing the best auto insurance coverage, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Am I covered by my spouse’s policy after a separation?
  • Where can I find DUI or SR-22 insurance?
  • Does liability extend to a camper or trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my friends covered when driving my car?
  • Are my friends covered when driving my 1991 Dodge Spirit?
  • Do I need replacement cost coverage on my 1991 Dodge Spirit?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance policy specifics

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, falling objects, a tree branch falling on your vehicle and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1991 Dodge Spirit.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for pain medications, nursing services, EMT expenses, dental work and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This will cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as loss of income, court costs, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Collision coverage protection

This pays for damage to your Spirit resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

What is YOUR best insurance company?

In this article, we presented many ways to save on 1991 Dodge Spirit insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the most savings is with a lesser-known regional company. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, drivers have reduced full coverage only to find out they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

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