How Much Does 1992 Dodge Spirit Insurance Cost?

Cutting costs on Driversinsurance could be frustrating for beginners to online rate comparisons. With more and more insurers to choose from, it can easily be a burden to find better prices.

You should take the time to shop coverage around yearly due to the fact that insurance prices change quite often. If you had the lowest rate for Spirit coverage on your last policy you can probably find a better premium rate now. Block out anything you think you know about insurance because we’re going to show you the easiest way to lower your annual insurance bill.

Get affordable auto insurance with discounts

Some companies don’t always advertise the entire discount list very well, so here is a list some of the best known and also the lesser-known credits available to you.

• Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
• Early Renewal Discounts – Some auto insurance companies reward drivers for signing up prior to the expiration date on your current policy. You can save around 10% with this discount.
• Low Mileage Discounts – Fewer annual miles on your Dodge could be rewarded with lower prices due to less chance of an accident.
• Own a Home – Just owning your own home can get you a discount since owning and maintaining a home requires a higher level of personal finance.
• Discounts for New Vehicles – Buying a new car model can cost up to 25% less since new model year vehicles are generally safer.
• Driver Safety – Completing a course teaching defensive driving skills is a good idea and can lower rates and make you a better driver.
• Professional Organizations – Affiliation with a professional or civic organization may earn a discount when shopping for auto insurance.
• Claim Free – Insureds with no claims or accidents pay much less in comparison to drivers with a long claim history.
• Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• Accident Waiver – This one isn’t a discount, but a few companies such as Allstate and Progressive permit an accident before raising your premiums as long as you don’t have any claims before the accident.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Even though the math looks like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Some companies that may offer quotes with some of the discounts shown above include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

It’s a good idea to ask every insurance company which credits you are entitled to. Some discounts may not be offered in every state. For a list of companies that offer some of these discounts, click here.

Tailor your auto insurance coverage to you

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

• Does medical payments coverage apply to all occupants?
• Do I need to file an SR-22 for a DUI in my state?
• Why is insurance for a teen driver so high?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need rental car coverage?
• Is motorclub coverage worth it?
• Can my teen driver be rated on a liability-only vehicle?
• Why do I only qualify for high-risk insurance?
• Do I need an umbrella policy?
• Is my trailer covered?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance advertising gotchas

Respected companies like Allstate and Progressive continually stream television and radio advertisements. They all seem to say the same thing of big savings if you get a free auto insurance quote and switch your car insurance policy to them. It sounds good, but how can they all charge you a lower premium? It’s all in the words they use.

Insurance providers quote their cheapest rates for a prospective insured that earns them the highest profit. For instance, a profitable customer might be described as between 25 and 40, has few claims, and drives a lower-performance vehicle. A driver who matches those parameters gets the lowest prices and will save when switching.

Potential customers who don’t meet this ideal profile will have to pay higher premium rates which usually ends up with the customer not purchasing. The ads say “people who switch” but not “all drivers who get quotes” save that kind of money. That is how companies can advertise the way they do. This really illustrates why you really need to get auto insurance quotes as often as possible. It’s just too difficult to predict the company that will have the lowest rates.

Specific coverage details

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Spirit.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

This coverage covers damage to your Spirit from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, sideswiping another vehicle, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, hospital visits, surgery, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverage

This pays to fix your vehicle from 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 can pay for things like hitting a deer, hitting a bird and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like emergency aid, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Save your hard earned cash

Budget-conscious 1992 Dodge Spirit insurance is attainable from both online companies as well as from insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these smaller providers prefer to sell through local independent agencies.

Drivers change insurance companies for many reasons like not issuing a premium refund, policy cancellation, lack of trust in their agent and even delays in responding to claim requests. Whatever your reason, choosing a new company is not as difficult as it may seem.

We’ve covered many ways to lower your 1992 Dodge Spirit insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the best price on insurance coverage is with a small local company.

Additional information can be found on the following sites:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)