View 1994 Dodge Colt Insurance Rates

No car owner is fond of buying insurance, especially when they know they could find lower prices if they just compared rates. Consumers have multiple auto insurance companies to pick from, and although it’s nice to have a selection, so many choices can make it hard to find the lowest cost provider.

You should take the time to shop coverage around as often as possible due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest premium rates on Colt insurance on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the proper way to properly buy coverages while reducing your premium.

Cheapest insurance rate quotes

Most companies such as Allstate and Progressive provide coverage prices on their websites. Doing online quotes is possible for anyone because you just enter your personal and coverage information as requested by the quote form. Behind the scenes, their quoting system makes automated requests for information on your driving record and credit history and returns a price quote. This makes comparing rates easy, but the work required to visit several different sites and type in the same data can get tiresome after awhile. Unfortunately, it is important to perform this step in order to get a better rate.

The easy way to compare rates

The easiest way to find lower prices requires only one form to get prices from multiple companies. It saves time, reduces the work, and makes price shopping online a lot less work. After sending your information, it is rated with multiple companies and you can pick any one of the returned quotes. If a lower price is quoted, you can click and sign and purchase the new policy. This process takes just a few minutes to complete and may result in a nice savings.

To quickly find out if lower rates are available, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you input deductibles and limits just like they are on your policy. This way, you will have comparison quotes for similar insurance coverage.

Earn discounts to get lower-cost car insurance quotes

Buying car insurance is not cheap, but you might already qualify for some discounts that may help make it more affordable. Some discounts will apply at the time you complete a quote, but some discounts are required to be asked for before you will receive the discount.

• Switch and Save Discount – Some car insurance companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
• Auto/Life Discount – Car insurance companies who offer life insurance give better car insurancerates if you take out some life insurance too.
• Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on Colt insurance depending on your car insurance provider.
• ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
• E-sign – Many insurance companies will give a small break just for signing your application on your computer.
• Discounts for Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less on Colt insurance than less cautious drivers.
• Low Mileage – Driving less could earn better prices on cars that stay parked.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Some companies that may have these discounts may include but are not limited to:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

Double check with each company or agent which credits you are entitled to. Some discounts listed above might not be available to policyholders in your area. If you would like to view insurance companies with discount car insurance rates, click here.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining whether your personal situation may require specific advice.

• Do I benefit by insuring my home with the same company?
• What if I don’t agree with a claim settlement offer?
• Am I covered if I crash into my own garage door?
• What is the ISO rating for a 1994 Dodge Colt?
• Do I need more liability coverage?
• Are rental cars covered under my policy?
• Do I have coverage for damage caused while driving under the influence?
• What can I do if my company denied a claim?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Learn how to lower your insurance rates

Many different elements are part of the equation when you get a price on insurance. Some are obvious such as your driving record, but others are not as apparent like where you live or your commute time.

• Lower insurance rates with theft deterrents – Driving a car with a theft deterrent system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your vehicle from being stolen.
• Big cities mean more claims – Having an address in less populated areas of the country is a positive aspect when talking about insurance. People who live in big cities have traffic congestion and more severe claims. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
• Buy as much liability as you can afford – The liability coverage on your policy is the coverage that protects you if you are determined to be liable for physical damage or personal injury to other. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Careless drivers pay higher prices – Even one speeding ticket may increase your cost twenty percent or more. Good drivers have lower premiums as compared to those with violations. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
• Annual mileage impacts costs – The more you drive your Dodge each year the more it will cost to insure it. Most insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Colt is throwing money out the window. Make sure your insurance policy correctly shows annual mileage, because it can save money.
• High physical damage deductibles save money – Comp and collision deductibles are how much you are required to pay if the claim is covered. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, damage from fire, or theft of your vehicle. The more of the claim the insured has to pay upfront, the less your company will charge you for insurance on Colt insurance.
• Do you know you’re credit score? – Credit score is likely to be a major factor in your rate calculation. Drivers with very good credit scores tend to be better risks to insure than those with bad credit. So if your credit is not that good, you could potentially save money when insuring your 1994 Dodge Colt by improving your rating.

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses such as prosthetic devices, ambulance fees, nursing services and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like funeral expenses, bail bonds and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This covers damage to your Colt from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter, driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, theft, hitting a deer and a broken windshield. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Colt.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

At the end of the day…

Some insurance companies don’t offer the ability to get quotes online smaller providers sell through local independent agents. Cheap 1994 Dodge Colt insurance is possible online and from local agencies, and you need to price shop both to have the best rate selection.

Throughout this article, we presented quite a bit of information on how to compare 1994 Dodge Colt insurance premium rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance. You may even discover the lowest premium rates are with the smaller companies. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

More tips and info about insurance coverage can be found at these sites:

• Comprehensive Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)