1993 Dodge Shadow Insurance Rates

Want lower auto insurance rates for your Dodge Shadow? Have you fallen victim to an underperforming, overpriced auto insurance policy? You’re in good company because there are lots of residents who feel the same.

There is such a variety of auto insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more difficult to find the lowest cost provider.

It’s a good idea to do rate comparisons once or twice a year because auto insurance prices change quite often. If you had the lowest rates on Shadow insurance two years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the proper way to eliminate unnecessary coverages and save money.

The purpose of this article is to familiarize you with how to effectively get price quotes. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Nevertheless, consumers should learn how the larger insurance companies price online insurance.

How to compare free auto insurance price quotes

To find cheap rates, there are a couple of ways to compare rate quotes from many auto insurance companies in your state. The quickest method to find affordable Dodge Shadow insurance rates consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for separate forms for each company. One quote request gets you coverage quotes from multiple low-cost companies.

A less efficient way to find better pricing consists of going to the website for every company you want to comare and repeat the quote process. For examples sake, we’ll assume you want to compare Liberty Mutual, Progressive and American Family. To do that, you would have to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, try to use apples-to-apples coverage information for each quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to make an equal comparison. Having just a slight variation in insurance coverages or limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing all the rates in your area gives you a better chance of getting the best rates. Some insurance companies are not set up to provide online rate quotes, so you need to compare prices from them, too.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can help discover whether your personal situation could use an agent’s help.

• Does having multiple vehicles earn me a discount?
• How can I get high-risk coverage after a DUI?
• What can I do if my company won’t pay a claim?
• How much can I save by bundling my policies?
• Am I covered if I break a side mirror?
• Do I have newly-aquired coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Specifics of your auto insurance policy

Having a good grasp of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from auto insurance companies.

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, rock chips in glass, hitting a deer and vandalism. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This covers damage to your Shadow from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage will cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for 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. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, emergency aid, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for funeral costs, X-ray expenses, hospital visits, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Dodge Shadow.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.