Save on 1994 Dodge Colt Insurance Quotes

Looking for better auto insurance rates for your Dodge Colt? Purchasing cheaper auto insurance on the web is rather challenging for people that are relatively new to comparing rates and buying auto insurance online. With such a large number of agents and online companies, how can drivers be able to compare every company to locate the best available rates?

Smart consumers take time to check auto insurance prices before your policy renews because insurance prices tend to go up over time. Despite the fact that you may have had the best deal on Colt coverage two years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

How to buy car insurance

There are a variety of methods you can shop for car insurance but some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company then returns a price quote based on that data. This eliminates the need for quote forms to every company. To find out how much you can save on car insurance click to open in new window.

The only drawback to doing it this way is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to choose specific insurance companies to request quotes from, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you are using the exact same deductibles and coverage limits with every price quote. If your comparisons have higher or lower deductibles it will be impossible to determine the lowest rate for your Dodge Colt. Slightly different limits may result in large price differences. And when comparison shopping, getting more free quotes helps improve the odds of finding better pricing.

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Drivers can save with these money-saving discounts

Properly insuring your vehicles can get expensive, but you may find discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of quoting, but some need to be requested specifically before you will receive the discount.

• Memberships – Participating in certain professional organizations could earn you a nice discount on your next renewal.
• Claim Free – Good drivers with no accidents pay much less when compared with drivers with a long claim history.
• No Charge for an Accident – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual will let one accident slide before they charge you more for coverage so long as you are claim-free for a set time period.
• Lower Rates for Military – Being deployed with a military unit may lower your insurance coverage rates slightly.
• Pay Early and Save – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
• Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote insurance on Colt coverage with select insurance companies.
• Switch and Save Discount – Some larger companies give discounts for switching companies before your current expiration date. You could save around 10% when you buy insurance online.

One thing to note about discounts is that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But all discounts will cut your policy premiums.

Some companies who might offer most of these discounts include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

Double check with every insurance company which discounts you may be entitled to. Discounts might not be offered on policies in your area. To find insurance companies with the best discounts, follow this link.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

• Is my 1994 Dodge Colt covered for flood damage?
• Why is insurance for a teen driver so high?
• Where can I find DUI or SR-22 insurance?
• Does my insurance cover my expensive audio equipment?
• Should I bundle my homeowners policy with my auto?
• Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Why you might pay lower rates

Multiple criteria are taken into consideration when you get a price on insurance. A few of the factors are predictable like an MVR report, but other criteria are more obscure such as whether you are married or your financial responsibility.

The itemized list below are some of the items used by insurance companies to determine prices.

• Being married reduces risk – Your spouse may earn you lower rates when shopping for car insurance. It usually means you are less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
• Do you know your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some coverage claims would be running into the backend of another car, collision with an animal, and rolling your vehicle. The deductibles you choose are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive on Colt coverage.
• Traffic violations can be expensive – Being a careful driver impacts your car insurance rates tremendously. Drivers who don’t get tickets get better prices as compared to those with violations. Getting just one speeding ticket can increase the cost of insurance to the point where it’s not affordable. People who have severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state motor vehicle department in order to legally drive.
• How old are your drivers? – Teen drivers are known to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older people tend to be more responsible, cost insurance companies less in claims .

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Insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This pays for damage to your Colt from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability car insurance – Liability coverage provides protection from damage that occurs to other people or property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have 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. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, emergency aid, loss of income, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses for doctor visits, funeral costs, ambulance fees, dental work and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Dodge Colt.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

At the end of the day…

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the lowest possible cost.

We just presented a lot of techniques to save on 1994 Dodge Colt insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost insurance. You may even discover the lowest rates are with the least-expected company.

People leave their current company for any number of reasons including delays in paying claims, policy non-renewal, being labeled a high risk driver and denial of a claim. It doesn’t matter what your reason, choosing a new company can be easier than you think.

To read more, feel free to browse the following helpful articles:

• Teen Driving Statistics (Geico)
• Drunk Driving Statistics (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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