Cheap 1993 Dodge Stealth Insurance Cost

Searching for lower auto insurance rates for your Dodge Stealth? Are you a victim of high-priced auto insurance? Believe me when I say there are many people just like you. Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate possible.

If you have a policy now or need a new policy, you can follow these tips to find the best rates and still get good coverage. Buying car insurance is quite easy. Vehicle owners just need to know the best way to compare prices online.

Save on Dodge Stealth insurance

Auto insurance companies don’t list every available discount in an easy-to-find place, so here is a list both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
  • Homeowners Pay Less – Owning a home may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Stealth coverage than their less cautious counterparts.
  • Multi-car Discount – Having more than one vehicle with the same company can get a discount on all vehicles.
  • 55 and Retired – Older drivers may be able to get better auto insurance rates for Stealth coverage.

It’s important to note that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Car insurance companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not be offered in every state.

Comprehensive Insurance Coverage Comparison

Getting better 1993 Dodge Stealth insurance coverage pricing is a fairly straight forward process. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. This can be accomplished in a couple of different ways.

  • The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This type of form keeps you from doing multiple quote forms to each individual insurance coverage company. Filling out one form will return quotes from insurance coverage companies with the best prices.
  • A slightly less efficient method to compare prices is spending the time to visit the website for each individual company to complete a price quote. For instance, we’ll pretend you want to compare rates from Liberty Mutual, 21st Century and State Farm. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

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

  • The least recommended way of getting rate comparisons is driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you require the professional advice of a local agent. You can, however, compare the best prices online but still have the advice of a local agent and we’ll cover that in a bit.

However you get your quotes, ensure you’re using exactly the same quote information on every quote you get. If you enter different values for each quote then you won’t be able to truly determine the lowest rate.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions could help you determine whether you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • How do I file an SR-22 for a DUI in my state?
  • I have a DUI can I still get coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does insurance cover damages from a DUI accident?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need an umbrella policy?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a Dodge Stealth

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, hitting a parking meter, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for liability

Liability insurance will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like bail bonds, funeral expenses and court costs. How much coverage you buy is up to you, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as funeral costs, chiropractic care, hospital visits, EMT expenses and dental work. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, rock chips in glass, damage from a tornado or hurricane, a broken windshield and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Stealth.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Smart consumers save more

In this article, we presented a lot of information how to save on 1993 Dodge Stealth insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

For more information, feel free to browse the resources below: