1995 Dodge Stealth Insurance Cost – 8 Savings Tips

Trying to find better auto insurance rates for your Dodge Stealth? Finding affordable auto insurance over the internet may be somewhat difficult for beginners to buying insurance on the web. When there are so many insurance companies available, how can drivers possibly compare every one to find the best price?

How to Compare Insurance Costs

There are several ways to compare quotes from insurance companies in your area. The best method to find the lowest 1995 Dodge Stealth rates consists of shopping online. This can be done using a couple different methods.

  • The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quotes to each individual insurance company. One form submission gets rate comparisons instantly. It’s definitely the quickest method.
  • A harder way to get quotes online consists of going to the website of each company and fill out their own quote form. For sake of this example, we’ll pretend you want to compare rates from State Farm, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The least efficient way to get comparison rates is driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you prefer the professional advice only provided by licensed agents. Drivers can price shop your coverage online but buy from a local insurance agent and we’ll talk about that later.

However you get your quotes, make sure you use apples-to-apples information for each price quote. If you enter differing limits it’s impossible to truly determine the lowest rate. Quoting even small variations in limits can result in a big premium difference. And when price shopping your coverage, having more price comparisons will enable you to find the best price.

More discounts equal less premium

Car insurance companies don’t necessarily list all their discounts very well, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies who might offer some of the above discounts include:

Check with every prospective company what discounts are available to you. Savings may not apply everywhere.

It’s not one size fits all

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage if my license is suspended?
  • Which companies will insure high-risk drivers?
  • Which is better, split liability limits or combined limits?
  • Can I rent a car in Mexico?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Don’t believe everything you hear

Insurance coverage companies such as GEICO, State Farm and Progressive regularly use ads on TV and radio. They all seem to make the same claim about savings if you move to their company. How do they all make the same claim?

Insurance companies are able to cherry pick for the type of customer they prefer to insure. For example, a profitable customer might be profiled as over the age of 40, has no tickets, and has a short commute. A customer who meets those qualifications is entitled to the best price and therefore will cut their rates substantially.

Consumers who don’t measure up to the requirements must pay higher rates and this can result in business not being written. The ads state “drivers who switch” not “people who quote” save that much money. That is how companies can claim big savings. This illustrates why drivers should compare many company’s rates. You cannot predict which insurance coverage company will provide you with the cheapest Dodge Stealth insurance rates.

Information about specific coverages

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability car insurance

This coverage protects you from injuries or damage you cause to a person or their property. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, rock chips in glass, theft and damage from a tornado or hurricane. 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 removing comprehensive coverage.

Uninsured or underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as rehabilitation expenses, nursing services, funeral costs and pain medications. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

More choices the merrier

Cheap 1995 Dodge Stealth insurance is attainable both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and these regional insurance providers work with independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many instances, an insured dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

We’ve covered some good ideas how to get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the best price on auto insurance is with the smaller companies.

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