1991 Dodge Dynasty Insurance Quotes – 8 Tips for Best Rates

Are you regretting the purchase of an expensive auto insurance policy? Believe me, there are many people just like you.

Companies like State Farm, Allstate, Geico and Progressive increase brand awareness with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

The most recommended method to get policy rate comparisons is to understand all the major auto insurance companies will pay a fee to compare their rates. To get started, all you need to do is provide information like if the vehicle is leased, your education level, deductibles desired, and the ages of drivers. Your rating data is automatically sent to insurance carriers in your area and you get price estimates within a short period of time.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Are you receiving every discount?

Insurance can cost an arm and a leg, but you may qualify for discounts that many consumers don’t even know exist. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be requested specifically before you will receive the discount.

• Save with More Vehicles Insured – Buying insurance for all your vehicles with the same car insurance company can get a discount on all vehicles.
• Low Miles Discount – Driving fewer miles can qualify you for cheaper rates.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Active Military Service – Being deployed in the military can result in better car insurance rates.
• College Student – who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
• One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge as long as you don’t have any claims for a specific time period.
• Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free car insurance policy, it’s just not the way it works.

A few companies that may offer policyholders some of the above discounts may include but are not limited to:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Check with each company the best way to save money. All car insurance discounts may not be available in your state. To see a list of companies that offer multiple discounts, click this link.

When in doubt talk to an agent

When choosing the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation could use an agent’s help.

• Should I buy full coverage?
• Why am I required to buy high-risk coverage?
• Does insurance cover damages from a DUI accident?
• Is business property covered if stolen from my car?
• Is business equipment covered while in my vehicle?
• How many claims can I have before being cancelled?
• Do I really need UM/UIM coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage options for a Dodge Dynasty

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Collision coverage

Collision coverage will pay to fix damage to your Dynasty caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, backing into a parked car, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Dynasty.

Since 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 should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, pain and suffering, attorney fees, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass, fire damage and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like surgery, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage on a shoestring budget

When getting auto insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured dropped full coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Cheaper car insurance is definitely available online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not offer online quoting and many times these smaller providers only sell coverage through local independent agents.

To read more, take a look at the following helpful articles:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Speed and Speed Limit FAQ (iihs.org)