1993 Dodge Spirit Car Insurance Rates – 10 Savings Tips

Trying to find lower auto insurance rates for your Dodge Spirit? Searching for low-cost insurance for a new or used Dodge Spirit can normally be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to shop for auto insurance so we’re going to tell you the best way to compare rates for a new or used Dodge and locate the cheapest rates either online or from local insurance agents.

Smart consumers take time to shop coverage around occasionally because rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Spirit insurance last year other companies may now be cheaper. Ignore everything you know about auto insurance because we’re going to demonstrate the easiest way to reduce your cost while improving coverage.

Finding the best rates is quite easy. If you have insurance now or need new coverage, you can use these tips to shop for the lowest rates while maximizing coverage. Drivers only need to know how to compare company rates online.

Cut prices on 1993 Dodge Spirit insurance

Companies offering auto insurance don’t list all available discounts very clearly, so we took the time to find both well-publicized and the more hidden insurance savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Accident Free – Claim-free drivers pay less when compared with frequent claim filers.
  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Spirit insurance.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Student in College – Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Organization Discounts – Participating in a professional or civic organization is a good way to get lower rates on insurance on Spirit insurance.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

For a list of providers offering insurance discounts, click this link.

How to Get Cheap Insurance

Most major insurance companies like Progressive, Allstate and Geico quote prices directly from their websites. Getting online rates is pretty easy as you just type in the coverage amounts you desire into a form. When complete, the company’s rating system sends out for your credit score and driving record and provides a quote.

Quoting online makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to perform this step if you are searching for a lower rate.

Quote rates the easy way

The smarter way to find lower prices requires only one form that analyzes rates from multiple companies. The form is fast, requires less work, and makes price shopping online much more efficient. As soon as you send your information, your coverage is rated and you can choose any one of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process takes just a few minutes to complete and you’ll know if lower rates are available.

In order to find out what other companies charge, click here and enter your information. If you have coverage now, it’s recommended that you enter your coverages exactly as they are listed on your policy. This guarantees you will get rate quotes based on similar coverages.

Tailor your coverage to you

When buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique.

For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I pay less for low miles?
  • When would I need additional glass coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is no-fault insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does having multiple vehicles earn me a discount?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need replacement cost coverage on my 1993 Dodge Spirit?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Parts of your auto insurance policy

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like prosthetic devices, pain medications and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, rock chips in glass and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Spirit.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability coverage

This protects you from damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, attorney fees, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision insurance covers damage to your Spirit caused by 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 can pay for things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

A fool and his money are soon parted

While you’re price shopping online, never skimp on coverage in order to save money. In too many instances, consumers will sacrifice physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford.

Consumers who switch companies do it for a number of reasons such as poor customer service, denial of a claim, an unsatisfactory settlement offer or unfair underwriting practices. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

Lower-priced 1993 Dodge Spirit insurance can be purchased online and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Additional insurance information is located at the links below