1991 Dodge Colt Car Insurance Rates – 10 Savings Tips

Want better insurance coverage rates for your Dodge Colt? Paying for high-priced Dodge Colt insurance can dwindle your personal savings, especially in this economy. Doing a price comparison is a smart way to lower your monthly bill. Popular companies such as GEICO, Farmers Insurance and State Farm continually hit you with advertising and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

If you have a policy now or are looking for a new policy, you can use these tips to find the best rates while maintaining coverages. Finding affordable coverage is not that difficult. Vehicle owners just need to learn the best way to shop their coverage around online.

Free Insurance Quotes

Effectively comparing insurance prices is a ton of work if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

Most car insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote. This prevents consumers from doing quote requests to every company. To find out how much you’re overpaying now click to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly the insurers you will receive quotes from. So if you want to select individual companies to compare, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you use, make darn sure you compare the exact same coverages with each company. If you enter unequal deductibles or liability limits you will not be able to determine the best price for your Dodge Colt.

Tailor your coverage to you

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover whether you might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Do I need motorclub coverage?
  • When would I need additional glass coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I have a commercial auto policy?
  • Do I need roadside assistance coverage?
  • Am I getting all the discounts available?

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 an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Specific coverage details

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1991 Dodge Colt.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages

Liability coverage will cover damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision protection

This coverage will pay to fix damage to your Colt caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as rolling your car, crashing into a building, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, X-ray expenses, funeral costs, pain medications and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.