View 1993 Dodge Spirit Car Insurance Cost

Drivers have options when trying to find affordable Dodge Spirit insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to buy insurance and you need to know the quickest way to get price quotes for a new or used Dodge and get the lowest possible price.

Smart consumers take time to shop coverage around once or twice a year because prices fluctuate regularly. Just because you had the best price on Spirit coverage at your last renewal a different company probably has better rates today. Ignore everything you know about insurance because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.

The purpose of this article is to instruct you on how to effectively get price quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this information. Vehicle owners only need an understanding of the tricks to get comparison quotes online.

How to compare auto insurance quotes

There are a lot of ways you can shop for auto insurance but one way is more efficient than others. You could waste time driving to insurance companies in your area, or you could use online quoting to get prices fast.

Many popular insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and every company returns a rated price for coverage. This system prevents you from having to do quote requests for each company.

To compare rates now click to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but try to keep identical quote data for every company. If you are comparing different limits and deductibles on each one it will be impossible to determine which company has the best rates.

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Discounts for lower-cost insurance rates

Insurance is not an enjoyable expense, but you may find discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you complete an application, but a few need to be specifically requested before you get the savings. If you aren’t receiving every discount you deserve, you could be paying more than you need to.

• Drive Less and Save – Keeping the miles down on your Dodge may enable drivers to earn substantially lower prices.
• Data Collection Discounts – Policyholders that allow their insurance company to study their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
• Distant Student – College-age children who live away from home to go to college and leave their car at home could get you a discount.
• Discount for New Cars – Insuring a vehicle that is new is cheaper because new model year vehicles keep occupants safer.
• Early Renewal Discounts – Some companies give discounts for switching to them early. This can save 10% or more.

We need to note that most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, nobody gets a free ride.

Some of the insurance companies that may offer most of the discounts above include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you are trying to find low cost insurance coverage quotes, ask every insurance company which discounts they offer. A few discounts might not be offered on policies in your area.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining whether you could use an agent’s help.

• What can I do if my company denied a claim?
• Do I have coverage when pulling a U-Haul trailer?
• Do I have coverage when using my vehicle for my home business?
• What if I don’t agree with a claim settlement offer?
• Am I insured when driving a different vehicle?
• Can I make deliveries for my home business?
• Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

How insurers determine Dodge Spirit insurance prices

Lots of things are used when you get your auto insurance bill. Some factors are common sense such as traffic violations, but others are not quite as obvious such as your credit history or your vehicle rating.Part of the auto insurance buying process is learning the rating factors that come into play when calculating your policy premiums. If you know what controls the rates you pay, this enables informed choices that could help you find lower rates.

Shown below are some of the most common factors used by insurance companies to determine your premiums.

• Only buy extra coverages you need – Insurance companies have many additional extra coverages that can add up but may not be useful. Insurance for things like rental car reimbursement, death and dismemberment, and Farm Bureau memberships are probably not needed. They may sound like good ideas when buying your policy, but if you have no use for them get rid of them and save.
• Drive lots and pay more – The more you drive your Dodge each year the higher your rate. Most companies charge rates based upon how the vehicle is primarily used. Vehicles that have low annual miles receive lower rates than vehicles that are driven to work every day. Double check that your auto insurance coverage reflects the proper vehicle usage, because improper ratings can cost you money. An incorrectly rated Spirit may be costing you.
• Auto insurance rates and job – Jobs like fire fightersair traffic controllers and miners tend to pay higher average rates due to high stress levels and extremely grueling work hours. On the other hand, occupations like professors, historians and performers receive lower rates on Spirit coverage.
• How much liability coverage do you need? – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.

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Specifics of your auto insurance policy

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Spirit.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like dental work, doctor visits, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability coverages

This protects you from damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Spirit from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, theft, a tree branch falling on your vehicle, hitting a deer and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Make a quick buck

Lower-priced 1993 Dodge Spirit insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance providers may not offer price quotes online and many times these smaller companies prefer to sell through independent agents.

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. In many cases, someone dropped uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

People leave their current company for a number of reasons such as delays in paying claims, high rates after DUI convictions, poor customer service and even policy cancellation. Regardless of your reason for switching companies, finding the right insurance provider can be easier than you think.

For more information, feel free to browse these articles:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)

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