Lower Your 1994 Dodge Shadow Insurance Quotes

Want cheaper insurance coverage rates for your Dodge Shadow? There isn’t anyone who gets a kick out of paying for insurance coverage, especially when they are aware that their premiums are through the roof.

Insurance companies such as Geico, 21st Century and Progressive constantly blast consumers with ad campaigns and consumers find it hard to ignore the promise of big savings and find the best price available.

Compare free auto insurance rate quotes

When comparison shopping, there are several ways of comparing rate quotes from different companies. The recommended way to compare rates consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

The best way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating separate quotation requests for every prospective company. Filling out one form gets you coverage quotes direct from many companies.

A more time consuming way to find better pricing requires a trip to the website for each individual company to request a price quote. For instance, we’ll pretend you need rates from Auto-Owners, State Farm and Allstate. To do that, you would have to visit each site and repeatedly enter your information, which can get rather old.

For a list of links to companies insuring cars in your area, click here.

The least efficient method to price shop rates is to spend time driving to local insurance agencies. Shopping for auto insurance online eliminates this option unless your situation requires the trained advice that only an agent can give. It is possible with some companies obtain prices from the web but buy from a local insurance agent.

It’s your choice how you get your quotes, but ensure you’re using equivalent coverages for every company. If each company quotes different deductibles it will be nearly impossible to get a fair rate comparison. Having just a slight variation in coverages may result in large price differences. Just keep in mind that comparing a large number of companies provides better odds of finding a better price. Some companies don’t provide online price quotes, so it’s important to also get price estimates from the smaller companies as well.

Save with with these discounts

Insurance is expensive, but you may be missing some discounts that you may not even know about. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be requested specifically in order for you to get them.

• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
• Driver Training Discounts – Passing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
• Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
• Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
• Own a Home – Being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
• No Claims – Insureds who avoid accidents and claims pay much less when compared with policyholders that have many claims.
• Policy Bundle Discount – When you have multiple policies with the same insurance company you may save nearly 15% which can help you find affordable insurance coverage.
• Good Students Pay Less – Being a good student can save 20 to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies aren’t that generous.

To see a list of insurance companies with significant discounts, click here to view.

Your situation helps dictate your coverage

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help highlight whether you will benefit from professional help.

• Should I get collision insurance on every vehicle?
• Where can I find high-risk insurance?
• Do I benefit by insuring my home with the same company?
• Am I covered if I wreck a rental car?
• Do I need replacement cost coverage?
• Who is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Parts of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like court costs, medical expenses, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Shadow resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a broken windshield, falling objects, hitting a deer and fire damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like surgery, X-ray expenses, rehabilitation expenses and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1994 Dodge Shadow.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

A tidy conclusion

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

We just showed you quite a bit of information on how to get a better price on 1994 Dodge Shadow insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the most savings is with an unexpected company. They often have lower prices on specific markets than their larger competitors like Progressive and Geico.

More tips and info about insurance coverage can be found by following these links:

• Comprehensive Coverage (Liberty Mutual)
• Bodily Injury Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)