1991 Dodge Shadow Insurance Rates – 6 Ways to Save

Using the web to shop for insurance coverage quotes online probably sounds like a formidable task if you are a beginner to online rate comparisons. Don’t worry though because comparing rates is actually very simple.

It’s smart to compare rates yearly because prices are variable and change quite frequently. If you had the lowest quotes for Shadow insurance last year you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the fastest way to reduce your cost while improving coverage.

This information will let you in on how to get online quotes. If you currently have car insurance, you will most likely be able to save some money using this information. But drivers need to learn the methods companies use to market on the web because it can help you find the best coverage.

Do you qualify for these six discounts?

Insurance coverage is not inexpensive, but you might be missing out on some discounts to help bring down the price. A few discounts will be applied when you get a quote, but some need to be requested specifically prior to receiving the credit.

• Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
• Discount for Life Insurance – Select insurance carriers reward you with better prices if you take out a life insurance policy as well.
• Multi-car Discount – Insuring primary and secondary vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
• Lower Rates for Military – Having a deployed family member may lower your prices slightly.
• Homeowners Savings – Owning your own home or condo may trigger a policy discount on insurance coverage since home ownership is proof of financial responsibility.
• Senior Citizen Rates – Drivers that qualify as senior citizens are able to get a discount up to 10% for Shadow insurance.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts are:

• State Farm may include discounts for driver’s education, student away at school, accident-free, multiple autos, and anti-theft.
• Liberty Mutual discounts include new vehicle discount, exclusive group savings, multi-policy, newly retired, preferred payment discount, new graduate, and newly married.
• American Family may offer discounts for early bird, bundled insurance, good driver, accident-free, mySafetyValet, and TimeAway discount.
• Progressive may have discounts that include multi-policy, homeowner, online signing, online quote discount, multi-vehicle, good student, and continuous coverage.
• Farmers Insurance policyholders can earn discounts including alternative fuel, business and professional, mature driver, homeowner, teen driver, and multi-car.
• Auto-Owners Insurance offers premium reductions for paid in full, student away at school, teen driver, mature driver, multi-policy, and safe vehicle.
• SAFECO has savings for multi-car, bundle discounts, anti-lock brakes, teen safety rewards, and teen safe driver.

If you need lower rates, check with each insurance company which discounts can lower your rates. Some credits might not be offered in your area. If you would like to see a list of companies that offer discounts, follow this link.

Don’t assume everyone needs the same insurance coverage coverage

When choosing the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions might help in determining if you could use an agent’s help.

• Should I sign the liability waiver when renting a car?
• Is rental equipment covered for theft or damage?
• Is extra glass coverage worth it?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need an umbrella policy?
• Will my rates increase for filing one claim?
• Why does it cost so much to insure a teen driver?
• How much liability insurance is required?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Don’t believe everything you hear

Big name companies like 21st Century, Allstate and State Farm regularly use ads on television and other media. They all seem to make the point that people will save if you get a free insurance coverage quote and switch your coverage. How does every auto insurance company charge lower premium rates?

Many companies have specific criteria for the type of customer that will generate a profit. A good example of a driver they prefer may need to be between 25 and 40, has no claims, and insures a new vehicle. A driver who fits that profile will get very good car insurance rates and therefore will save when switching.

People who do not match these stringent criteria must pay a higher rate with the end result being the prospect going elsewhere. If you pay attention, the ads say “customers that switch” not “everyone that quotes” save that kind of money. That is how companies can make those claims.

Because of these techniques, you really should quote coverage with many companies. Because you never know which insurance companies will have the lowest rate quotes.

Specific coverages for a Dodge Shadow

Knowing the specifics of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass and damage from flooding. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills like funeral costs, prosthetic devices and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Shadow.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical expenses, funeral expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Shop around and save

Drivers who switch companies do it for many reasons like policy cancellation, not issuing a premium refund, being labeled a high risk driver and policy non-renewal. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. The goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

We just presented some good ideas how you can save on 1991 Dodge Shadow insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting low cost insurance coverage. Drivers may discover the biggest savings come from a small local company.

Other articles

• Insurance Losses by Make and Model (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• State Laws for Cellphones and Texting (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)