Cheaper 1996 Dodge Stealth Car Insurance Rates

Looking for cheaper insurance rates for your Dodge Stealth? Nobody looks forward to buying insurance, especially knowing the price is too high.

Companies like State Farm and GEICO all promote huge savings with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Finding the best rates is quite easy. Nevertheless, vehicle owners must comprehend the way companies determine prices and take advantage of how the system works.

Comparison of Insurance

Comparing insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use the internet for quick rates.

Many popular insurance companies take part in a program that enables customers to enter their coverage request one time, and every company provides a quote based on that data. This eliminates the need for repetitive form submissions to each individual insurance company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to doing it this way is you don’t know exactly the insurers to receive prices from. If you wish to select specific insurance companies to compare prices, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical quote information on every quote. If each company quotes unequal deductibles or liability limits it’s not possible to determine which rate is truly the best. Quoting even small variations in coverage limits may result in a large different in cost. Just remember that getting more free quotes will improve the odds of getting lower pricing.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but less common discounts must be requested specifically before you will receive the discount.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.

Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will reduce your premiums.

To see a list of insurers offering auto insurance discounts, click this link.

Don’t assume everyone needs the same coverage

When buying the best insurance coverage coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Am I covered when delivering products for my home-based business?
  • Is upholstery damage covered by car insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving a rental car?
  • Is my cargo covered for damage or theft?
  • Should I have combined single limit or split liability limits?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverage options for a 1996 Dodge Stealth

Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like X-ray expenses, pain medications, dental work and chiropractic care. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from flooding, falling objects, theft and damage from getting keyed. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your Stealth from colliding 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 protects against things like scraping a guard rail, colliding with a tree, backing into a parked car and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.