1991 Dodge Spirit Car Insurance Rates – 8 Ideas for Best Quotes

Want cheaper insurance rates for your Dodge Spirit? Trying to find cheaper insurance for a Dodge Spirit could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to buy insurance and you need to know the best way to quote coverages for a Dodge and get the cheapest rates.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. Vehicle owners just need to know the tricks to compare price quotes online.

Where can I get cheap insurance?

Getting cheap 1991 Dodge Spirit insurance pricing is not rocket science. The only thing you need to do is spend a little time comparing free car insurance quotes online from several insurance companies. It’s super easy and can be done using a couple different methods.

1. The first (and easiest) way to get the best comparison quotes is a comparison rater form click to view form in new window. This form eliminates the need for separate forms for each company you want a rate for. One form gets insurance cost estimates direct from many companies. Recommended for those who want to invest the least amount of time.
2. A more difficult way to shop for insurance online requires visiting the website for each individual company and complete a new quote form. For example, we’ll pretend you want to get rates from State Farm, Esurance and Progressive. In order to compare rates, you need to spend time going to each site individually and enter your policy data, which can take a lot of time.

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

Whichever way you choose to compare rates, double check that you are using apples-to-apples coverage limits and deductibles for each price quote. If your comparisons have differing limits it will be impossible to make a fair comparison for your Dodge Spirit.

Misconceptions in car insurance advertisements

Consumers can’t ignore all the ads that claim the lowest prices from companies such as Progressive, Allstate and Geico. They all seem to state the claim that you can save just by switching your coverage to them.

It sounds good, but how can they all have lower policy pricing? It’s all in the wording.

Insurance providers quote the lowest rates for the type of driver that will most likely be profitable. An example of a desirable insured might have to be a mature driver, has a low-risk occupation, and drives less than 5,000 miles a year. Any driver that meets those criteria will probably get the lowest rates and will most likely save money with a new company.

Consumers who fall short of the requirements will be quoted a higher rate and this results in the customer buying from someone else. Company advertisements say “drivers that switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently advertise the savings. Because of this risk profiling, drivers must compare many company’s prices. It’s just not possible to know which company will have the best premium rates at this point in time.

These eight discounts can lower car insurance rates

Car insurance is not cheap nor is it fun to buy but you may be missing some discounts that could help you make your next renewal payment. A few discounts will automatically apply when you quote, but occassionally some discounts must be inquired about before you get the savings.

• Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education in school.
• College Student – living away from home attending college and don’t have a car may qualify for this discount.
• New Car Discount – Putting insurance on a new car can cost up to 25% less compared to insuring an older model.
• E-sign – Some companies will give you a small discount for signing up on the internet.
• Driving Data Discount – Policyholders that allow data collection to spy on vehicle usage through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if their driving habits are good.
• Bundled Policy Discount – When you have multiple policies and place coverage with the same company you may save over 10 percent off each policy depending on the company.
• Include Life Insurance and Save – Car insurance companies who offer life insurance give better rates if you take out some life insurance in addition to your auto policy.
• Accident Free – Good drivers with no accidents pay much less in comparison with drivers who are more careless.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurance companies that provide some of the discounts listed above, follow this link.

When do I need an agent’s advice?

When choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether you could use an agent’s help.

• What is PIP insurance?
• When can I cancel my policy?
• Do I need higher collision deductibles?
• When would I need rental car insurance?
• Am I covered if I hit a deer?
• Can I get a multi-policy discount?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage considerations

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like hospital visits, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This provides protection from damage that occurs to other people or property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your Spirit caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, fire damage and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Spirit.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

More quotes mean more savings

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. Too many times, someone sacrificed liability limits or collision coverage only to regret at claim time that it was a big mistake. The goal is to purchase plenty of coverage at the best cost.

In this article, we presented some good ideas how to compare 1991 Dodge Spirit insurance rates online. The most important thing to understand is the more you quote car insurance, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the lowest priced car insurance comes from the least-expected company.

Lower-priced 1991 Dodge Spirit insurance can be purchased both online and from local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and usually these small, regional companies sell through local independent agencies.

For more information, feel free to browse these articles:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)