1990 Dodge Spirit Car Insurance Quotes – 7 Ideas for Best Rates

Did a good deal turn into an expensive insurance policy? Trust us, you’re not the only one. Big-name insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with ad campaigns and it is challenging if not impossible to avoid their marketing magic and find the best price available.

If you are insured now or are looking for a new policy, you will benefit by learning to get lower rates while maintaining coverages. Choosing the best insurance company for you is not that difficult. Drivers just need to understand how to compare company rates online.

How to buy insurance coverage

Effectively comparing insurance coverage prices can be a lot of work if you don’t understand the most efficient way to do it. You could waste a few hours driving to insurance agencies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many companies participate in an industry program that enables customers to only type in their quote data once, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quotation requests to each company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of form is that consumers can’t choose the insurers to receive prices from. So if you prefer to pick individual companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make sure you use nearly identical coverages for each comparison quote. If you compare unequal deductibles or liability limits you can’t possibly get a fair rate comparison.

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More affordable rates by taking advantage of these seven discounts

Car insurance companies don’t always publicize all possible discounts in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous credits available to bring down your rates.

• Telematics Devices – Drivers that enable data collection to look at vehicle usage by using a small device installed in their vehicle such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
• Homeowners Savings – Being a homeowner can get you a discount because owning a home means you have a higher level of financial diligence.
• Defensive Driver – Participating in a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
• Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote insurance on Spirit coverage depending on your car insurance provider.
• Service Members Pay Less – Having a deployed family member could trigger a small discount.
• Good Drivers – Insureds without accidents may save up to 50% more on Spirit coverage than less cautious drivers.
• Use Seat Belts – Requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.

Consumers should know that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and a selection of discounts are detailed below.

• Esurance may include discounts for DriveSense, emergency road assistance, multi-policy, anti-lock brakes, and good driver.
• The Hartford offers discounts for driver training, anti-theft, vehicle fuel type, air bag, good student, and defensive driver.
• AAA has discounts for education and occupation, good student, pay-in-full, anti-theft, good driver, multi-policy, and multi-car.
• Geico discounts include multi-vehicle, anti-lock brakes, emergency military deployment, good student, and air bags.
• State Farm offers discounts including multiple policy, Drive Safe & Save, defensive driving training, anti-theft, and safe vehicle.

Before you buy a policy, ask every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders everywhere. If you would like to choose from a list of insurance companies offering car insurance discounts, click here to view.

How much auto insurance do I need?

When choosing adequate coverage, there is no “perfect” insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if you could use an agent’s help.

• Does coverage extend to my business vehicle?
• Will filing a claim cost me more?
• Am I covered when driving on a suspended license?
• What can I do if my company won’t pay a claim?
• Am I insured when driving a different vehicle?
• Am I covered if I hit my neighbor’s mailbox?
• Is my 1990 Dodge Spirit covered for flood damage?
• Can I rate high risk drivers on liability-only vehicles?
• Which is better, split liability limits or combined limits?
• What is medical payments coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Specifics of your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages offered by auto insurance companies.

Liability

This coverage provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like attorney fees, bail bonds, medical services and court costs. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Spirit.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for funeral costs, dental work, prosthetic devices, chiropractic care and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision insurance

This coverage will pay to fix damage to your Spirit caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, a broken windshield, a tree branch falling on your vehicle, rock chips in glass and theft. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

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Saving money makes a lot of cents

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

You just read a lot of information how to get a better price on 1990 Dodge Spirit insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the most savings is with the least-expected company. Some small companies often have lower premium rates on specific markets compared to the large companies like State Farm or Progressive.

Other resources

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)

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