Cheaper 1991 Dodge Colt Insurance Quotes

Trying to find lower insurance rates for your Dodge Colt? Are you kicking yourself for buying an overpriced insurance policy? It’s quite common and there are many consumers feeling the pinch from expensive insurance.

There are many car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, lots of choices makes it harder to find a good deal.

Consumers should take time to price shop coverage occasionally since insurance rates change frequently. Just because you found the lowest rate for Colt coverage last year other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn the things you must know in order to remove unneeded coverages and save money.

How to compare free car insurance quotes

There are multiple methods to compare car insurance quotes, but some are less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

All the larger companies take part in a program that enables customers to send in one quote, and each company then gives them pricing. This saves time by eliminating repetitive form submissions for each company you want a rate for. To participate in this free quote system, click here to open in new window.

One minor caviat to using this type of form is that you can’t choose the companies to get quotes from. If you wish to select specific providers to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just be sure you’re using the same quote information on every quote you get. If your comparisons have different data it will be nearly impossible to determine the best price for your Dodge Colt. Just a small difference in coverages could mean much higher rates. Keep in mind that comparing a wide range of rates will enable you to find a lower rate than you’re paying now.

Discounts for cheap insurance coverage rates

Some companies don’t always list the entire discount list very well, so the list below details some of the more common as well as some of the hidden discounts you could be receiving when you buy insurance online. If you do not check that you are getting every discount possible, you could be paying more than you need to.

• Good Student – Being a good student may save you up to 25%. Earning this discount can benefit you up to age 25.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.
• Early Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
• First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies permit an accident without the usual rate increase as long as you don’t have any claims for a set time period.
• Air Bags and Passive Restraints – Factory air bags or automatic seat belts can receive discounts as much as 30%.

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So even though you would think it’s possible to get free car insurance, nobody gets a free ride. But any discount will positively reduce the amount you have to pay.

A few of the larger companies and their possible discounts are detailed below.

• State Farm includes discounts for good student, accident-free, defensive driving training, student away at school, passive restraint, multiple autos, and good driver.
• Nationwide may offer discounts for business or organization, easy pay, good student, Farm Bureau membership, defensive driving, and multi-policy.
• Geico has savings for emergency military deployment, anti-lock brakes, five-year accident-free, good student, driver training, membership and employees, and federal employee.
• AAA offers discounts for good student, multi-car, pay-in-full, multi-policy, education and occupation, AAA membership discount, and anti-theft.
• 21st Century offers discounts including early bird, driver training, student driver, air bags, teen driver, good student, and theft prevention.
• The Hartford policyholders can earn discounts including anti-theft, bundle, vehicle fuel type, good student, and defensive driver.

Check with each insurance company how many discounts you can get. A few discounts might not be available to policyholders everywhere.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation might need professional guidance.

• What happens if I owe more than my 1991 Dodge Colt is worth?
• Do I need an umbrella policy?
• Is my ex-spouse still covered by my policy?
• Exactly who is provided coverage by my policy?
• I have a DUI can I still get coverage?
• Am I insured when driving a different vehicle?
• Am I covered when driving on a suspended license?
• What discounts do I qualify for?
• Should I carry comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance policy coverages for a 1991 Dodge Colt

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like EMT expenses, surgery, dental work and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, backing into a parked car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability insurance – This coverage provides protection from damages or injuries you inflict on other people or property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like loss of income, legal defense fees, medical expenses, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Colt.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.