1993 Dodge Stealth Insurance Quotes – 6 Policy Discounts

Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than millions of other consumers. Because there are so many companies and agents to choose from, it is very difficult to find the right insurance company.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to cut costs considerably using this information. Drivers just need to understand the tricks to compare company rates online.

Compare Auto Insurance Costs

There are several ways to compare Dodge Stealth auto insurance prices but some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to get prices fast.

Most car insurance companies participate in a marketplace where insurance shoppers submit their information once, and every company can provide price quotes. This eliminates the need for form submissions to each individual auto insurance company.

To use this form to compare 1993 Dodge Stealth insurance rates click here to start a free quote.

The only downside to doing it this way is you can’t choose which insurance companies to receive prices from. If you wish to select individual companies for rate comparison, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare exactly the same deductibles and coverage limits for every company. If each company quotes mixed coverages it’s impossible to make a fair comparison for your Dodge Stealth.

Drivers who switch save $437 a year? Really?

Consumers can’t ignore all the ads for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. They all make an identical promise that you’ll save big if you move to them.

How do they all claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the driver they prefer to insure. For example, a preferred risk might be between 25 and 40, is a homeowner, and has excellent credit. A customer getting a price quote who fits that profile will get the preferred rates and most likely will pay quite a bit less when switching companies.

Drivers who fall outside this ideal profile must pay higher rates and this can result in business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much money. That’s the way companies can make the claims of big savings. This illustrates why it’s extremely important to compare many company’s rates. It’s not possible to predict which insurance coverage company will give you the biggest savings on Dodge Stealth insurance.

Don’t overlook these six discounts

Companies don’t always list every available discount very clearly, so the following is a list of both well-publicized as well as the least known insurance coverage savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • No Charge for an Accident – A few companies will allow you to have one accident before your rates go up if you are claim-free for a set time period.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Stealth coverage.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Paperwork-free – Some insurance companies give back up to $50 for buying your policy digitally online.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurance companies offering insurance coverage discounts, click here to view.

Is my situation unique?

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Will my insurance pay for OEM parts?
  • I have health insurance so do I need medical payments coverage?
  • Does coverage extend to Mexico or Canada?
  • Can I get a multi-policy discount?
  • When should I not file a claim?
  • Should I carry comprehensive and collision coverage?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick 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.

Auto insurance coverage information

Understanding the coverages of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for EMT expenses, prosthetic devices, surgery, X-ray expenses and doctor visits. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, hitting a deer, vandalism and hail damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Stealth.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability insurance – Liability coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like loss of income, legal defense fees, repair bills for other people’s vehicles, attorney fees and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

One last thing about your coverage

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

You just learned a lot of techniques to get a better price on 1993 Dodge Stealth insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from a small local company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

Much more information about car insurance can be found on the following sites: