View 1992 Dodge Colt Car Insurance Quotes

Trying to find better auto insurance rates? Buyers have many options when searching for low-cost Dodge Colt insurance. They can either spend hours calling around to compare prices or utilize the internet to compare rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to get price quotes on a Dodge and obtain the lowest price.

Cut your insurance rates with discounts

Companies offering auto insurance don’t always publicize the complete list of policy discounts very well, so we break down some of the best known and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online. If they aren’t giving you every credit available, you are throwing money away.

• Claim-Free Discount – Insureds with no claims or accidents get the best insurance rates when compared with drivers with a long claim history.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
• 55 and Retired – Drivers that qualify as senior citizens can get reduced rates on Colt coverage.
• Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
• Military Rewards – Being on active deployment in the military could trigger a small discount.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.

For a list of insurers with the best insurance discounts, click here to view.

The method we recommend to compare car insurance company rates is to know most of the larger companies will pay a fee to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details including whether your vehicle is owned or leased, deductibles desired, any included safety features, and if you’re married. Your details is sent automatically to multiple different insurance companies and you will get price comparisons with very little delay.

To compare multiple company rates now, click here and enter the information requested.

You are unique and your car insurance should be too

When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions may help you determine whether or not you could use an agent’s help.

• What is an SR-22 filing?
• How can I get high-risk coverage after a DUI?
• Is upholstery damage covered by car insurance?
• Does insurance cover damages from a DUI accident?
• How much underlying liability do I need for an umbrella policy?
• How much liability coverage do I need in my state?
• Is business property covered if stolen from my car?
• Can I afford to pay high deductible claims out of pocket?
• Should I buy full coverage?

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 a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Learn about auto insurance coverages for a Dodge Colt

Having a good grasp of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage covers damage to your Colt from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses like rehabilitation expenses, chiropractic care, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, legal defense fees, funeral expenses, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, fire damage, rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

What is YOUR best insurance company?

When trying to cut insurance costs, do not reduce needed coverages to save money. In many instances, someone sacrificed full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

Lower-priced 1992 Dodge Colt insurance is available both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide price quotes online and usually these smaller providers prefer to sell through independent agencies.

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, delays in paying claims, policy cancellation or even poor customer service. Regardless of your reason, choosing a new insurance company is actually quite simple.

For more information, take a look at the following helpful articles:

• Side Impact Crash Tests (iihs.org)
• Collision Coverage (Liberty Mutual)
• Child Safety Seats (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)