1994 Dodge Stealth Car Insurance Cost – 7 Discounts for Cheapest Prices

Shoppers have many options when shopping for affordable Dodge Stealth insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance and we’ll show you the quickest way to compare rates for a Dodge and obtain the best price possible.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. The purpose of this article is to instruct you on how car insurance quotes work and some tricks to saving. Drivers only need to know the best way to find the lowest price over the internet.

Where can I get low cost auto insurance?

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many popular insurance companies take part in a program where prospective buyers send in one quote, and every company can provide price quotes determined by their information. This eliminates the need for form submissions to each company.

To find out how much you can save on auto insurance click here (opens in new window).

The single downside to using this type of form is you don’t know exactly the insurers you will receive quotes from. So if you want to select specific insurance companies to compare prices, we have a page of companies who write auto insurance in your area. Click here to view list.

Whichever method you choose, do your best to enter the same coverage limits on every price quote you get. If you have differing limits you will not be able to make a fair rate comparison.

Find discounts on car insurance

Companies offering auto insurance don’t list every possible discount very clearly, so the next list breaks down some of the best known and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

• Resident Student – who live away from home to go to college and do not have a car could qualify for this discount.
• Bundle and Save – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
• Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
• Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote in comparison to drivers who are more careless.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Discount for Low Mileage – Driving less could be rewarded with cheaper prices.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off the personal injury premium cost.

As is typical with insurance, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.

Some of the larger companies that have most of the discounts above are:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you want affordable car insurance quotes, ask every insurance company what discounts are available to you. Some discounts listed above may not apply to policies in your state. If you would like to see a list of providers who offer car insurance discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Does my car insurance cover rental cars?
• Do I need special endorsements for business use of my vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Do I get a pro-rated refund if I cancel my policy early?
• Can my teen driver be rated on a liability-only vehicle?
• Does my policy pay for OEM or aftermarket parts?
• Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, funeral costs, hospital visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, theft and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your Stealth resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Stealth.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages – This will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair costs for stationary objects, emergency aid and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage on a shoestring budget

Lower-priced 1994 Dodge Stealth insurance can be purchased both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and most of the time these small, regional companies work with independent agents.

In this article, we presented many ways to save on 1994 Dodge Stealth insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest car insurance rates come from the least-expected company.

When searching for inexpensive car insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

Additional detailed information is located by following these links:

• All About Airbag Safety (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Learn About Car Insurance (Geico)
• Shopping for a Safe Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)