1990 Dodge Colt Insurance Quotes

Looking for cheaper auto insurance rates for your Dodge Colt? Finding cheaper insurance for a Dodge Colt can normally be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to quote coverages for your Dodge and obtain the lowest possible price.

You need to shop coverage around quite often since insurance rates are constantly changing. Just because you found the best rates for Colt coverage a year ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about auto insurance because it’s time to teach you the things you must know in order to find lower rates on auto insurance.

Pay less for 1990 Dodge Colt insurance

Companies don’t necessarily list every available discount very clearly, so the following is a list of some of the more common and the more hidden insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Bundle and Save – When you have multiple policies with one company you may save 10% to 20% off each policy.
  • One Accident Forgiven – Certain companies permit an accident before your rates go up if you are claim-free prior to the accident.
  • New Car Discount – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if you qualify.

It’s important to note that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies who might offer these discounts include:

Before buying, ask every prospective company how you can save money. Some discounts may not apply in every state.

The fastest way that we advise to get rate comparisons is to know most insurance companies have advanced systems to quote your coverage. All you need to do is spend a couple of minutes providing details like if it has an anti-theft system, if you are currently licensed, the year, make and model of vehicles, and if a SR-22 is required. That rating data is instantly submitted to multiple top-rated companies and they return cost estimate immediately.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out if your situation might need professional guidance.

  • Is my teenager covered with friends in the car?
  • Which is better, split liability limits or combined limits?
  • Do I need PIP coverage since I have good health insurance?
  • Can I make deliveries for my home business?
  • What is UM/UIM insurance?
  • Where can I find DUI or SR-22 insurance?
  • Why am I required to buy liability insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can my babysitter drive my car?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as surgery, dental work, pain medications, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, theft, hitting a bird, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability car insurance

This provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Colt caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Money doesn’t grow on trees

We just covered some good ideas how to compare 1990 Dodge Colt insurance prices online. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the lesser-known companies.

Insureds who switch companies do it for any number of reasons including delays in paying claims, denial of a claim, delays in responding to claim requests and even an unsatisfactory settlement offer. Regardless of your reason, finding a new company is not as hard as you think.

Cheap insurance can be bought online and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Additional insurance information can be found on the following sites: