Cheap 1996 Dodge Stealth Insurance Rates

Purchasing the most affordable insurance coverage over the internet is difficult for consumers not familiar with comparison shopping online. Because there are so many companies competing online, how can anyone possibly compare every one to find the cheapest rates?

Pieces of the Dodge Stealth insurance rate puzzle

It’s important that you understand the factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with better car insurance rates.

The list below includes a few of the “ingredients” companies use to determine rates.

  • Adjust deductibles and save – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The more money you are required to pay out-of-pocket, the bigger discount you will receive on Stealth insurance.
  • Tickets mean higher rates – Drivers with clean records have lower premiums than bad drivers. Even a single citation may increase your cost twenty percent or more. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Save money with special equipment – Driving a car with an alarm system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Multi-policy discounts can save money – Most insurers will award you with lower prices to insureds who carry more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, you may still want to comparison shop to verify if the discount is saving money.
  • Your location affects your rates – Residing in a rural area can be a good thing when it comes to car insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. These vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Dodge Stealth has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Careers like judges, social workers and financial analysts tend to pay higher average rates attributed to high stress and lots of time spent at work. Conversely, jobs such as farmers, engineers and performers have the lowest average rates on Stealth insurance.
  • Little extras can really add up – There are a lot of extra bells and whistles you can purchase if you aren’t careful. Things like personal injury protection, better glass coverage and additional equipment coverage are some examples. These may sound like a good investment at first, but now you might not need them so remove them from your policy.

How to Compare Car Insurance Costs

There are a variety of methods you can shop for 1996 Dodge Stealth car insurance but there is one way that is more efficient than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

Most car insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each participating company can provide price quotes determined by their information. This saves time by eliminating quote requests for each company. To get comparison pricing now click here (opens in new window).

The single downside to using this type of system is you don’t know exactly which insurance companies to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of companies who write car insurance in your area. Click to view list.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits on every quote. If you enter different limits and deductibles on each one it’s impossible to determine which rate is truly the best. Just a small difference in coverage limits may result in large price differences. Just remember that having more price comparisons will enable you to find a better price.

How can Progressive, Allstate and GEICO save drivers who switch?

Companies like Progressive, Allstate and GEICO regularly use ads on television and other media. All the ads say the same thing of big savings if you move your policy. How do they all make the same claim?

All the different companies can use profiling for the driver that is profitable for them. For example, a profitable customer might be between 25 and 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when they switch companies.

Drivers who do not match this ideal profile will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently claim big savings. Because of the profiling, you should get quotes from several different companies. It’s just too difficult to predict which company will have the lowest Dodge Stealth insurance rates.

Cut prices on Dodge Stealth insurance

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we researched some of the more common and the more hidden savings tricks you should be using.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Driver’s Ed – Have your child complete a driver education course in high school.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Own a Home – Simply owning a home can save you money because owning a home demonstrates responsibility.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

A partial list of companies who might offer these money-saving discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • What exactly is covered by my policy?
  • Do I need higher collision deductibles?
  • Should I waive the damage coverage when renting a car?
  • When should my teen driver be added to my policy?
  • Is a fancy paint job covered?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverages for a Dodge Stealth

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

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

Collision coverage protects against things such as crashing into a building, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as legal defense fees, repair bills for other people’s vehicles, bail bonds, attorney fees and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Uninsured and underinsured coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Stealth.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, fire damage, hitting a deer, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Be a Smart Shopper

Low-cost 1996 Dodge Stealth insurance is available from both online companies as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

In this article, we presented a lot of tips how to lower your insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from a small mutual company.

Drivers switch companies for a variety of reasons including high prices, delays in paying claims, being labeled a high risk driver and even high rates after DUI convictions. Regardless of your reason, choosing a new company is not as difficult as it may seem.

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