1991 Dodge Dynasty Car Insurance Rates – 10 Policy Discounts

Trying to find cheaper car insurance rates for your Dodge Dynasty? No one in their right mind looks forward to paying premiums for car insurance, especially when they know it costs too dang much.

Lots of car insurance companies contend for your business, and because of this it can be hard to compare insurance companies to find the best rates possible.

It’s a good habit to do price comparisons occasionally because car insurance prices are variable and change quite frequently. Just because you had the best deal for Dynasty coverage two years ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn one of the quickest ways to lower your rates without sacrificing coverage.

If you have car insurance now, you will be able to save some money using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. But car owners can benefit by having an understanding of how companies price insurance differently and apply this information to your search.

Discount car insurance quotes

Some insurance providers don’t necessarily list every possible discount in an easy-to-find place, so the following list contains some of the more common as well as the least known credits available to you.

• Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
• Senior Citizens – Mature drivers could receive a small discount on rates for Dynasty coverage.
• Defensive Driver – Participating in a course that instructs on driving safety could save 5% or more and also improve your driving technique.
• ABS Brakes – Cars that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
• Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your policy.
• Online Discount – Some of the larger companies may give you up to $50 simply for signing digitally online.
• Military Discounts – Having a family member in the military could trigger a small discount.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.
• No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
• Good Grades Discount – Being a good student can save 20 to 25%. The good student discount can last until age 25.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, that’s just not realistic.

A few popular companies and some of the premium reductions they offer are shown below.

• Geico may include discounts for emergency military deployment, air bags, multi-vehicle, membership and employees, and driver training.
• Mercury Insurance has discounts for accident-free, multi-car, multi-policy, professional/association, low natural disaster claims, anti-theft, and location of vehicle.
• Farmers Insurance offers discounts for homeowner, mature driver, good student, business and professional, and multi-car.
• Auto-Owners Insurance policyholders can earn discounts including anti-theft, good student, mature driver, anti-lock brakes, and multi-policy.
• Liberty Mutual offers discounts including good student, teen driver discount, safety features, newly married, preferred payment discount, and new vehicle discount.
• SAFECO has savings for teen safety rewards, anti-theft, accident prevention training, anti-lock brakes, bundle discounts, drive less, and teen safe driver.
• Progressive may offer discounts for online signing, continuous coverage, multi-policy, good student, homeowner, multi-vehicle, and online quote discount.
• USAA offers premium reductions for vehicle storage, good student, new vehicle, family discount, and military installation.

If you want inexpensive insurance quotes, ask each company which discounts you qualify for. A few discounts might not be offered on policies everywhere. To view providers that offer many of these discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might point out if your situation would benefit from an agent’s advice.

• Is my Dodge Dynasty covered if I use it for business?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage when pulling a U-Haul trailer?
• Does my personal policy cover me when driving out-of-state?
• Is business equipment covered while in my vehicle?
• What can I do if my company denied a claim?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specific coverages for a Dodge Dynasty

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for hospital visits, nursing services, EMT expenses, ambulance fees and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – This covers damage to your Dynasty from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability coverage – This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, legal defense fees, medical expenses, loss of income and structural damage. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, fire damage, hail damage, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Smart shoppers get results

Some companies may not provide the ability to get quotes online and most of the time these smaller providers provide coverage only through independent insurance agencies. Cost effective 1991 Dodge Dynasty insurance can be found on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

As you prepare to switch companies, never buy less coverage just to save a little money. There have been many situations where an accident victim reduced liability coverage limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

Much more information about insurance can be read at the links below

• Child Safety Seats (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)