1991 Dodge Stealth Insurance Cost

Do you get overwhelmed by the crazy number of car insurance choices that you can choose from? You’re not alone. There are so many choices to choose from that it can turn into a difficult challenge to find the lowest price.

It’s smart to get comparison quotes as often as possible because prices change regularly. Just because you found the lowest rates for Stealth coverage a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to buy cheaper car insurance.

Shop insurance online

To get cheaper insurance coverage quotes, there a variety of ways of comparing price quotes from different companies. By far the easiest way to find competitive 1991 Dodge Stealth insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

One of the best ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating multiple quote forms for each company. A single form will get you rate comparisons from many national carriers. This is by far the quickest method.

Another way to shop for insurance online is to take the time to go to each company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from USAA, Farmers and Travelers. You would need to go to every website and repeatedly type in your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

However you get your quotes, compare identical coverage data on every quote. If you compare higher or lower deductibles it will be next to impossible to truly determine the lowest rate. Just a small difference in limits could skew the results. And when comparing insurance rates, know that quoting more will enable you to find more affordable rates. Some insurance companies are not set up to provide quotes online, so it’s necessary to compare quotes from them as well.

Save a ton with these discounts

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so the following list contains some of the more common as well as the least known discounts that you may qualify for.

• Student Discount for Driver Training – Have your child complete a driver education course in high school.
• Air Bags and Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 25 to 30%.
• Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
• Safety Course Discount – Taking part in a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
• Military Deployment Discount – Having a family member in the military could mean lower rates.
• Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies allow you one accident without getting socked with a rate hike if you are claim-free prior to the accident.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.
• Senior Discount – Seniors can get a small discount on rates for Stealth coverage.

You should keep in mind that most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though you would think you can get free auto insurance, companies don’t profit that way.

Large auto insurance companies and a partial list of their discounts include:

• State Farm discounts include anti-theft, multiple policy, Steer Clear safe driver discount, accident-free, multiple autos, Drive Safe & Save, and passive restraint.
• Farmers Insurance offers discounts for alternative fuel, mature driver, bundle discounts, distant student, business and professional, and pay in full.
• Geico has discounts for multi-policy, air bags, military active duty, defensive driver, seat belt use, five-year accident-free, and good student.
• American Family has savings for TimeAway discount, Steer into Savings, accident-free, multi-vehicle, bundled insurance, early bird, and mySafetyValet.
• Nationwide policyholders can earn discounts including multi-policy, easy pay, accident-free, anti-theft, good student, Farm Bureau membership, and business or organization.
• Progressive offers premium reductions for online signing, homeowner, online quote discount, continuous coverage, multi-vehicle, and good student.

When comparing rates, check with all companies you are considering which discounts they offer. Some credits might not be offered on policies everywhere. To see companies that have a full spectrum of discounts, click here.

Auto insurance can be complex

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

• Am I covered if hit by an uninsured driver?
• Which is better, split liability limits or combined limits?
• Do I need motorclub coverage?
• What can I do if my company denied a claim?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I get collision insurance on every vehicle?
• Will my rates increase for filing one claim?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage specifics

Having a good grasp of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from getting keyed and hitting a deer. 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 probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision can pay for claims such as crashing into a ditch, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Stealth.

Due to the fact that many 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 a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

This provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, loss of income, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like X-ray expenses, surgery and EMT expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay