Cheaper 1993 Dodge Spirit Insurance Quotes

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.

Do you qualify for discount auto 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.

• Bundle and Save – When you combine your auto and homeowners insurance with one company you could save at least 10 to 15 percent or more.
• Driver Training Discounts – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
• Claim-Free Discount – Drivers who stay claim-free can save substantially compared to policyholders that have many claims.
• Distant Student Discount – Kids who are attending college and do not take a car to college may qualify for this discount.
• Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% off the PIP or medical payment premium.

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:

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

If you need inexpensive insurance quotes, ask every insurance company which discounts they offer. Some discounts may not be offered in your state.

What insurance coverages do I need?

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.

• Can my teen driver be rated on a liability-only vehicle?
• Why do I only qualify for high-risk insurance?
• What happens if I owe more than my 1993 Dodge Spirit is worth?
• Does insurance cover tools stolen from my truck?
• What vehicles should carry emergency assistance coverage?
• Is my babysitter covered when using my vehicle?

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.

Car insurance coverages for a Dodge Spirit

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.

Coverage for uninsured or underinsured drivers

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 expenses

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

Comprehensive insurance

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.

Coverage for collisions

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 car insurance

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.

Quote more, save more

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:

• Collision Coverage (Liberty Mutual)
• Should I Buy a New or Used Car? (Allstate)
• Distracted Driving (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)