1994 Dodge Stealth Car Insurance Cost – 9 Savings Tips

Expensive insurance can overdraw your savings account, especially in this economy. Doing a price comparison is free and is an excellent way to cut your insurance bill. Drivers have so many insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, so many choices can make it hard to find the lowest rates.

This article will let you in on how to get online quotes. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Drivers just need to learn the most effective way to shop online.

Compare Quotes for Car Insurance

There are a variety of methods you can shop for 1994 Dodge Stealth car insurance but there is one way that is easier and takes less work. You can spend countless hours talking about coverages with agents in your area, or you could use online quotes to get the quickest rates.

Many popular insurance companies enroll in a system that enables customers to only type in their quote data once, and at least one company can provide price quotes for coverage. This saves time by eliminating form submissions to each company.

To find out how much you’re overpaying now click here to open in new window.

The only downside to getting quotes like this is you cannot specify which companies you will receive quotes from. So if you prefer to pick specific providers to compare, we have a page of companies who write car insurance in your area. Click here to view list.

Whichever method you choose, make sure you use identical information for each comparison quote. If your comparisons have different liability limits then you won’t be able to determine which rate is truly the best.

Cut prices on Dodge Stealth insurance

The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked about in order for you to get them. If they aren’t giving you every credit possible, you are throwing money away.

  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates when shopping for insurance coverage for Stealth coverage.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Student in College – Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.

It’s important to understand that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.

A partial list of companies that may have these discounts may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts may not apply in your area.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight whether or not you may require specific advice.

  • If my 1994 Dodge Stealth is totaled, can I afford another vehicle?
  • Which is better, split liability limits or combined limits?
  • How can I force my company to pay a claim?
  • Do I need more liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should I not file a claim?
  • What is medical payments coverage?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Save $430 a year? Really?

Drivers can’t ignore all the ads for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. They all seem to have a common claim of big savings if you change to them.

But how can every company say the same thing?

All the different companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer could be between the ages of 30 and 50, a clean driving record, and has great credit. Any new insured who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to this ideal profile will be charged higher prices and ends up with the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That is how companies can truthfully state the savings.

That is why it is so important to quote coverage with many companies. You cannot predict which auto insurance company will provide you with the cheapest Dodge Stealth insurance rates.

Insurance policy coverages for a 1994 Dodge Stealth

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses like surgery, hospital visits, X-ray expenses, prosthetic devices and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they 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 1994 Dodge Stealth.

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

Collision protection

This coverage pays for damage to your Stealth from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole, crashing into a building, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield, theft, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Be a money saver!

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

In this article, we presented many ways to reduce 1994 Dodge Stealth insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the smaller companies. These companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

Cost effective insurance can be found on the web and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and these small, regional companies work with independent agents.

Much more information about insurance is located on the following sites: