Compare 1991 Dodge Stealth Insurance Cost

Want better insurance rates for your Dodge Stealth? Scraping up a payment for overpriced Dodge Stealth insurance can drain your personal savings, especially in this economy. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You need to compare rates at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price for Stealth coverage on your last policy there is a good chance you can find better rates now. Forget all the misinformation about insurance because we’re going to demonstrate the best methods to reduce your cost while improving coverage.

Why your Dodge Stealth insurance rates may be high

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that will entitle you to big savings.

The following are a few of the “ingredients” car insurance companies consider when setting prices.

  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Jobs such as lawyers, business owners and dentists are shown to have the highest average rates attributed to job stress and lengthy work days. Other professions such as actors, historians and homemakers pay the least for Stealth coverage.
  • A clean driving record saves money – Even a single ticket can boost insurance rates twenty percent or more. Careful drivers get better rates than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Discounts for married couples – Getting married can actually save you money on car insurance. Having a spouse translates into being more responsible and it’s proven that being married results in fewer claims.
  • Males pay more for insurance – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men have accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Your location is important – Residing in a rural area can be a good thing when buying car insurance. Lower population translates into fewer accidents and a lower car theft rate. City drivers tend to have much more traffic to deal with and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Low deductibles can be expensive – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Dodge from damage. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, and windstorm damage. Physical damage deductibles are the amount of money you are required to spend before your car insurance pays a claim. The higher the amount the insured has to pay upfront, the lower your rates will be for Stealth coverage.
  • Never let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to bump up your car insurance costs. And not only will insurance be more expensive, getting caught without coverage may earn you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Your car’s features help determine rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

Low Cost Insurance Coverage

There are a lot of ways to shop for insurance coverage, but there is one way that is easier and takes less work. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace where prospective buyers only type in their quote data once, and every company returns a rated price based on that data. This system prevents you from having to do quote requests to each individual insurance coverage company.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is that you can’t choose the insurers you want pricing from. If you would rather choose individual companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click to view list.

Whichever method you choose, ensure you’re using exactly the same coverages and limits on every quote you get. If the quotes have differing limits then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits could mean much higher rates. And when quoting insurance coverage, remember that having more price comparisons provides better odds of finding the best offered rates.

Save big with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but some must be asked about prior to getting the savings.

  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Paperwork-free – A few companies give back up to $50 for buying a policy and signing up digitally online.
  • Own a Home – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Keeping the miles down on your Dodge could be rewarded with discounted rates on garaged vehicles.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. But any discount will help reduce your overall premium however.

Insurance companies who might offer these benefits include:

It’s a good idea to ask every prospective company how you can save money. Some discounts might not apply in your state.

But I don’t know anything about car insurance

When choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. These are some specific questions could help you determine if you would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Should I put collision coverage on all my vehicles?
  • Should I have combined single limit or split liability limits?
  • Why am I required to buy liability insurance?
  • Is my 1991 Dodge Stealth covered for smoke damage?
  • Do I really need UM/UIM coverage?
  • Do I need replacement cost coverage on my 1991 Dodge Stealth?
  • Should I sign the liability waiver when renting a car?
  • How much can I save by bundling my policies?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of your auto insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses for things like surgery, EMT expenses and hospital visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This will pay to fix damage to your Stealth resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hail damage and theft. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Stealth.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and 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. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

One last thing about your coverage

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced collision coverage only to discover later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

You just learned many ideas to save on 1991 Dodge Stealth insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with some of the lesser-known companies. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

Affordable insurance can be found both online and also from your neighborhood agents, so you should compare both to have the best selection. A few companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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