How Much Does 1993 Dodge Shadow Car Insurance Cost?

Beginners to comparing insurance rates online can find purchasing affordable car insurance quite challenging.

Car Insurance Prices Online

All major car insurance companies such as Progressive, Allstate and Geico provide coverage price quotes online. Obtaining pricing doesn’t take much effort as you simply type in the amount of coverage you want into the quote form. Once you submit the form, the system collects your credit score and driving record and gives you a price quote.

Online price quotes helps simplify price comparisons, but the process of having to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest price.

Quote rates the easy way

The easiest way to lower your rates is to use a quote form that analyzes rates from multiple companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much easier. As soon as the form is sent, it gets priced and you can select any one of the quotes returned.

If you find a better price it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.

To save time and find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you type in the limits and deductibles exactly as they are listed on your policy. Doing this assures you will receive an apples-to-apples comparison for similar insurance coverage.

Save $441 a year? Really?

Insurance coverage providers like Progressive, Allstate and Geico constantly bombard you with ads in print and on television. They all say the same thing about savings if you switch to their company. How do they all say the same thing? It’s all in the numbers.

All companies can use profiling for the type of customer that makes them money. A good example of a preferred risk might be between 30 and 50, a clean driving record, and has excellent credit. A driver who matches those parameters gets the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will be quoted higher premiums which leads to business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently advertise the savings.

This emphasizes why drivers must get as many quotes as possible. It’s just too difficult to predict the company that will have the lowest Dodge Shadow insurance rates.

These discounts can slash auto insurance rates

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few need to be specifically requested before being credited.

  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Shadow insurance than drivers with accident claims.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Claim Free – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Cars that have air bags can get savings of 20% or more.
  • Auto/Home Discount – When you have multiple policies with one company you will save up to 20% off your total premium.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will bring down the cost of coverage.

For a list of companies with discount auto insurance rates, click here to view.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • What is medical payments coverage?
  • Is pleasure use cheaper than using my 1993 Dodge Shadow to commute?
  • Should I buy additional glass protection?
  • Am I covered if I wreck a rental car?
  • Is upholstery damage covered by car insurance?
  • Am I covered if my car is in a flood?
  • Is my trailer covered?
  • Am I better off with higher deductibles on my 1993 Dodge Shadow?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance 101

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses like EMT expenses, funeral costs, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1993 Dodge Shadow.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverage

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

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from flooding and theft. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

This coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance 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: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, attorney fees, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage covers damage to your Shadow resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Quote often and quote early

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, unfair underwriting practices and even questionable increases in premium. It doesn’t matter why you want to switch finding a new insurance coverage company is actually quite simple.

Affordable 1993 Dodge Shadow insurance can be found from both online companies and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

In this article, we covered a lot of techniques to compare insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with some of the lesser-known companies.

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