Are you sick and tired of trying to scrape together enough money to buy insurance coverage? You’re in the same situation as most other drivers. Drivers have many insurers to pick from, and even though it’s nice to have a selection, having more auto insurance companies makes it harder to compare company pricing.
You should make it a habit to do price comparisons yearly due to the fact that insurance prices change frequently. Just because you had the best deal for Spirit coverage at your last renewal there is a good chance you can find better rate quotes now. You’ll find a ton of advice on insurance coverage online but in just a couple of minutes you can learn a lot of great tips on how to stop overpaying for insurance.
Car insurance companies don’t list all disounts very clearly, so we researched a few of the more well known as well as the least known ways to save on auto insurance.
Just know that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.
Some of the larger companies that may offer these benefits possibly include:
If you need inexpensive insurance quotes, ask every insurance company which discounts they offer. Some discounts may not be offered in your state.
When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out if your situation will benefit from professional help.
If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.
Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.
Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, surgery and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision insurance pays for damage to your Spirit resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.
Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for things like funeral expenses, loss of income and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.
We just presented many ways to get a better price on 1993 Dodge Spirit insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a smaller regional carrier. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.
While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at the lowest possible cost.
Some insurance companies may not offer the ability to get quotes online small, regional companies sell through independent agents. Budget-conscious 1993 Dodge Spirit insurance can be found both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money.
Additional insurance information is available at these links:
Griselda Schneider
What is comprehensive coverage?
Jonna Bright
Like your site, BTW. From Newark, Delaware. I quoted with Progressive, AIG Insurance, and some I forget for my Dodge and saved just over $100 a year. Thankfully I have a good driving record. Book value doesn’t justify full coverage anymore.
Cordell Hart
Does South Carolina require liability coverage?
Ryan Prince
I live just outside Huntington, WV. Quoted prices from GEICO, Amica, and Erie for my Spirit and I think I saved about $20 each month. Insured with 21st Century before. Only insure liability on my Dodge.
Adele Austin
I found affordable 1993 Dodge Spirit insurance from Progressive in Los Angeles, CA.
Shawanda Combs
Cheaper car insurance is a myth. I’m in the suburbs of Tacoma, Washington. Quoted a bunch of companies. Saved roughly $30 a month. State Farm was the most affordable for me. I get lower rates because of my clean driving record. Just waiting to see how claims go. Book value doesn’t justify full coverage anymore.
Raina Livingston
Hope my rates come down. I live just to the south of Phoenix, AZ. I got free rates from Safeco, Farmers, GEICO, and Amica for my 1993 Dodge Spirit and saved just over $80 a year. Left AIG Insurance to switch. They have a lot of discounts available. I got a quote from their website. Anyone else drop full coverage?
Gale Cameron
Where is cheaper car insurance? Live in the eastern part of Madison, WI. Compared quite a few companies. Saved roughly $20 a month. 21st Century was the cheapest for me. Left GEICO to switch. BTW speeding tickets are not good.
Carolann Padilla
Lots of useful info here. I live in New Haven, Connecticut. Went online for free insurance quotes for a 1993 Dodge Spirit. Ended up at about $110 savings annually. Went with State Farm. I think they have home insurance too. When should I drop full coverage?
Verla Gardner
I live just outside Cedar Rapids, IA. Received quotes with Western Auto Insurance, AAA, The General, and Safeco for my Spirit and saved about $60 a year. Left AIG Insurance to switch. LOL Just liability coverage since it’s getting old.
Rigoberto Bond
I’m from Allentown, PA. Quoted a bunch of companies. Saved about $30 a month. Allstate was the most affordable for me. Was with Amica. I have kids on my policy, too. It never hurts to quote around. It’s too old for full coverage.
Chelsie Coffey
Cheaper car insurance is a myth. From a town just southwest of Manchester, NH. Received quotes from Auto-Owners, Mercury, and a few others for my Spirit and I think I cut my rates about $30 each month. Not sure if rates are cheaper online or through an agent.