1991 Dodge Spirit Car Insurance Rates

Looking for the cheapest insurance coverage rates for your Dodge Spirit? Have you had enough of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other drivers.

Companies like Geico and Progressive continually hit you with catchy ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Buying car insurance is easy if you know what you’re doing. Nevertheless, drivers must comprehend how insurance companies market insurance on the web and use this information to your advantage.

Finding Car Insurance Deals

When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The simplest method to find the lowest 1991 Dodge Spirit rates is simply to get online rate quotes. This can be done using a couple different methods.

  • One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing a different quote for each company. One form gets you coverage quotes from several companies.
  • A less efficient way to compare rate quotes requires visiting the website for every company you want to comare and request a quote. For examples sake, we’ll pretend you want rates from Nationwide, Progressive and State Farm. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you use, make absolute certain that you use apples-to-apples coverage limits on every quote. If you compare different liability limits it will be very difficult to determine which rate is truly the best. Slightly different coverage limits may result in a large different in cost. It’s important to know that quoting more provides better odds of finding a lower rate.

Lower rates by qualifying for discounts

Companies don’t necessarily list every discount very well, so we researched both the well known and also the lesser-known ways to save on auto insurance.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.

As a disclaimer on discounts, most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A partial list of companies who might offer these benefits include:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not be offered everywhere.

Dodge Spirit rates are in the details

An important part of buying insurance is that you know the rating factors that help determine the price you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the items that factor into prices.

  • Discounts for multiple policies – Many car insurance companies give discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to shop around to verify if the discount is saving money.
  • Extra coverages can waste money – There are many extra coverages that can waste your money if you aren’t careful. Insurance for roadside assistance, accident forgiveness and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars reduce injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Spirit has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Never let your coverage lapse – Having an insurance coverage lapse is a fast way to bump up your car insurance costs. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.

Car insurance is unique, just like you

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions might point out whether or not you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • What happens if I owe more than my 1991 Dodge Spirit is worth?
  • Is my ex-spouse still covered by my policy?
  • How can I force my company to pay a claim?
  • Who is covered by my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

The car insurance bait and switch

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies say the same thing that you can save if you switch to their company. How does each company say the same thing?

Insurance companies are able to cherry pick for the type of customer that makes them money. For instance, a preferred risk might be over the age of 50, has no tickets, and drives newer vehicles. A driver who matches those parameters gets the lowest rates and therefore will save a lot of money.

Drivers who don’t measure up to the requirements will be quoted higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can advertise the savings. This emphasizes why drivers must quote coverage with many companies. You cannot predict the company that will give you the biggest savings on Dodge Spirit insurance.

Car insurance coverages for a Dodge Spirit

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, fire damage, damage from a tornado or hurricane and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

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

Collision coverage pays for claims like crashing into a ditch, hitting a parking meter, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage

This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like X-ray expenses, funeral costs and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Spirit.

Since a lot of 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 is important protection for you and your family.

Be a money saver!

The cheapest 1991 Dodge Spirit insurance is available from both online companies and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of techniques to reduce insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even discover the best price on insurance coverage is with a smaller regional carrier. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

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