1991 Dodge Stealth Insurance Quotes – 5 Savings Tips

If shopping for car insurance quotes online is new to you, chances are good that you are bewildered because of the huge number of insurance providers all claiming to have the lowest rates.

Consumers need to do rate comparisons once or twice a year due to the fact that insurance prices change quite often. Just because you had the lowest rates on Stealth insurance last year there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

These five discounts can lower insurance coverage rates

Insurance coverage is not inexpensive, but you may qualify for discounts that could help you make your next renewal payment. Many discounts should be triggered at the time you complete a quote, but some need to be manually applied before you will receive the discount.

• Early Switch Discount – A few insurance companies give discounts for buying a new policy prior to your current policy expiring. You could save around 10% when you buy car insurance online.
• ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
• Paperless Signup – A handful of larger companies may give you up to $50 for buying your policy on their website.
• Good Student Discount – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• Active Service Discounts – Being on active duty in the military could trigger a small discount.

As a footnote on discounts, most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, you aren’t that lucky.

A few of the larger companies and their possible discounts include:

• State Farm offers discounts for passive restraint, multiple autos, multiple policy, accident-free, good driver, and driver’s education.
• Progressive offers discounts including online quote discount, good student, online signing, multi-vehicle, multi-policy, and continuous coverage.
• Progressive policyholders can earn discounts including homeowner, multi-policy, multi-vehicle, online quote discount, and good student.
• MetLife may offer discounts for claim-free, accident-free, defensive driver, good driver, and good student.
• Farm Bureau includes discounts for 55 and retired, multi-policy, safe driver, renewal discount, good student, youthful driver, and multi-vehicle.
• Geico offers premium reductions for military active duty, defensive driver, good student, daytime running lights, five-year accident-free, and emergency military deployment.
• SAFECO may include discounts for accident prevention training, anti-lock brakes, anti-theft, teen safety rewards, drive less, and teen safe driver.

When getting free car insurance quotes, it’s a good idea to each company which discounts you qualify for. Some discounts listed above may not apply to policyholders in your area. To find insurance companies who offer free insurance coverage quotes, click here.

When do I need an agent’s advice?

When it comes to choosing the best auto insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

• Is my Dodge Stealth covered if I use it for business?
• Who is covered by my policy?
• Will I lose any money if I cancel my policy before it expires?
• Who is covered when they drive my 1991 Dodge Stealth?
• Am I covered if I crash into my own garage door?
• Is a new car covered when I drive it off the dealer lot?
• Does having multiple vehicles earn me a discount?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance policy coverages for a Dodge Stealth

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, repair costs for stationary objects, legal defense fees, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for rehabilitation expenses, doctor visits, prosthetic devices and surgery. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, rolling your car, sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, hitting a deer and fire damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Stealth.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Summing up your insurance search

Some insurance companies don’t offer online rate quotes and most of the time these regional insurance providers work with local independent agencies. Affordable 1991 Dodge Stealth insurance is attainable from both online companies and from local insurance agents, so compare prices from both to have the best chance of lowering rates.

We’ve covered many ideas to get a better price on 1991 Dodge Stealth insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. You may even find the best prices are with a small local company.

Consumers leave their current company for any number of reasons including an unsatisfactory settlement offer, high prices, delays in responding to claim requests and even denial of a claim. Regardless of your reason, finding a new company is less work than it seems.

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