View 1994 Dodge Spirit Insurance Rates

Want lower car insurance rates for your Dodge Spirit? Trying to find low-cost insurance for your Dodge Spirit can turn out to be a painful process, but you can use a few tricks to make it easier.

There is a better way to compare car insurance rates and you need to know the best way to compare rates for a new or used Dodge and find the best price possible from local insurance agents and online providers.

Consumers should take time to quote other rates yearly due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest premium rates on Spirit coverage six months ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

If you have a policy now or are shopping for new coverage, you can use these tips to find the best rates while maintaining coverages. Shopping for the lowest cost auto insurance coverage is easy if you know what you’re doing. Drivers only need to know the proper methods to buy auto insurance on the web.

Reduce insurance rates with these tips

The best way to find cheaper insurance is to take a look at the rating factors that are used to determine your premiums. When consumers understand what determines base rates, this enables you to make decisions that will entitle you to better insurance rates. Lots of things are used when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are less apparent like your vehicle usage or how safe your car is.

The factors shown below are some of the major factors that factor into prices.

• Save money with higher comp and collision deductibles – The deductibles you choose tell how much you are required to pay if you file a covered claim. Protection for physical damage, aka comp and collision, is used to repair damage to your car. Examples of some claims that would be covered are collision with another vehicle, damage caused by hail, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance on Spirit coverage.
• Consolidate policies to earn discounts – Most insurance companies give a discount to buyers who consolidate policies with them. It’s known as a multi-policy discount. If you currently are using one company, drivers will still want to compare rates to help ensure you have the lowest rates.There is a chance you can save more without the discount by buying insurance from a different company.
• Gender and insurance premiums – The statistics show that females take fewer risks when driving. It does not mean men are worse drivers. Both sexes tend to get into at-fault accidents at a similar rate, but males tend to have higher claims. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and are penalized with high insurance rates.
• Tickets cost more than a fine – Having a clean driving record has a lot to do with how much you pay for insurance. Careful drivers receive lower rates as compared to careless drivers. Having just one driving citation may cause rates to rise by as much as thirty percent. Drivers who have license-revoking citations like DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
• Safer vehicles lower insurance rates – Cars with high safety ratings cost less to insure. The safest vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less claims paid and lower rates for you.
• Your spouse saves you money – Getting married can actually save you money when shopping for insurance. Marriage usually means you are more financially stable and statistics show married couples file fewer claims.
• Do thieves like your car? – Choosing to buy a car that has an advanced theft prevention system can help lower your premiums. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.

Insurance coverage policy discounts you can’t miss

Insurance coverage is easily one of your largest bills, but you might find some hidden discounts that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but once in a while a discount must be inquired about before being credited. If you aren’t receiving every discount you deserve, you could be paying more than you need to.

• Lower Rates for Military – Being on active duty in the military could trigger a small discount.
• Professional Organizations – Being a member of qualifying employment or professional organizations could qualify you for a break on your bill.
• Early Signing – Some larger companies reward drivers for switching companies before your current expiration date. It can save you around 10%.
• ABS Brakes – Cars and trucks with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
• Driver’s Education for Students – Have your child sucessfully take a drivers education course as it can save substantially.
• Discounts for Cautious Drivers – Accident-free drivers can save as much as half off their rates on Spirit coverage than their less cautious counterparts.

As a sidenote, most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

Some companies that may include many of the previously listed discounts possibly include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

If you need the cheapest auto insurance quotes, ask every prospective company how you can save money. Savings might not be available to policyholders in your state.

Insurance agents can help

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions could help you determine whether you could use an agent’s help.

• Is my teenager covered with friends in the car?
• Does my medical payments coverage pay my health insurance deductible?
• Am I better off with higher deductibles on my 1994 Dodge Spirit?
• How do I file an SR-22 for a DUI in my state?
• Does insurance cover damages from a DUI accident?
• When should I buy a commercial auto policy?
• Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Understanding the coverages of your policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability auto insurance – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as pain and suffering, medical expenses, attorney fees, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, a tree branch falling on your vehicle and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision insurance will pay to fix damage to your Spirit resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses like pain medications, surgery, funeral costs, EMT expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and 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 it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1994 Dodge Spirit.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

In the end, you save

When getting auto insurance quotes online, never buy poor coverage just to save money. There are a lot of situations where drivers have reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Insureds leave their current company for many reasons like policy cancellation, unfair underwriting practices, high prices or lack of trust in their agent. It doesn’t matter what your reason, finding a new car insurance company is not as hard as you think.

In this article, we presented quite a bit of information on how to compare 1994 Dodge Spirit insurance auto insurance rates online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best auto insurance rates are with the least-expected company.

Additional car insurance information can be found below:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)