Lower Your 1993 Dodge Stealth Insurance Quotes

Searching for the cheapest insurance coverage rates? Consumers have options when looking for the best price on Dodge Stealth insurance. They can either spend hours calling around trying to get quotes or leverage the internet to compare rates.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the proper way to price shop coverage on a Dodge and get the lowest price.

First Step: Get free insurance coverage quotes

There are a variety of methods to compare insurance coverage quotes, but there is one way that is more efficient than others. You could waste a few hours driving to insurance agencies in your area, or you can utilize online quotes to get prices fast.

Most car insurance companies participate in an industry program that enables customers to submit one quote, and at least one company then returns a price quote. This saves time by eliminating form submissions to each individual insurance coverage company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to doing it this way is you are unable to specify which insurance companies to receive prices from. So if you prefer to choose from a list of companies to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, do your best to use apples-to-apples quote data on every price quote you get. If each company quotes different limits and deductibles on each one then you won’t be able to make a fair comparison for your Dodge Stealth.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

• Am I covered if I hit my neighbor’s mailbox?
• Should I bundle my homeowners policy with my auto?
• What is no-fault insurance?
• Is my teen driver covered when they drive my company car?
• Do I need replacement cost coverage?
• Do I pay less for low miles?
• Can I make deliveries for my home business?
• When do I need to add a new car to my policy?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance pays for damage to your Stealth resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, falling objects and rock chips in glass. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability coverage will cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like doctor visits, dental work, nursing services and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible