Lower Your 1995 Dodge Spirit Car Insurance Quotes

Searching for cheaper auto insurance rates for your Dodge Spirit? I can’t think of a single person who loves paying for auto insurance, in particular when they could get a better deal. Big companies like State Farm, Progressive and Geico constantly blast consumers with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you will benefit by learning to find the best rates and still get good coverage. Finding affordable coverage is not that difficult. Drivers just need to learn the most effective way to find the lowest price online.

Free auto insurance quotes

Reducing your 1995 Dodge Spirit insurance rates is actually easier than you may think. Consumers just need to spend a few minutes comparing rate quotes to discover which company has affordable insurance coverage quotes. It’s super easy and can be done by following the guidelines below.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form submissions to each individual auto insurance company. A single form gets prices estimates from several companies.

A harder way to compare rate quotes requires a trip to each company website and get a separate price quote. For sake of this example, we’ll pretend you want comparison quotes from Progressive, Safeco and Liberty Mutual. You would need to spend time on each company’s site and type in your information over and over, and that’s why the first method is more popular.

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

Whichever method you choose, compare the exact same deductibles and coverage limits on every quote. If you have different deductibles it’s impossible to get a fair rate comparison.

These discounts can reduce insurance rates

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be inquired about before you will receive the discount.

• Telematics Data – Insureds who allow driving data collection to spy on where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
• No Charge for an Accident – This one isn’t a discount, but companies like Allstate and Geico will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
• Federal Government Employee – Simply working for the federal government can save as much as 8% on Spirit insurance depending on your company.
• Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
• Low Mileage – Driving less can earn substantially lower prices.

Remember that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So even though you would think it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will help reduce your policy premiums.

Some companies that may have these money-saving discounts include:

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

When comparing rates, check with all the companies which discounts can lower your rates. All car insurance discounts may not apply to policyholders in your area. To view providers who offer online insurance quotes, follow this link.

Why you might pay increased rates

Many different elements are used when premium rates are determined. Some factors are common sense like an MVR report, although others are not quite as obvious like your continuous coverage or how safe your car is.

The following are some of the major factors utilized by car insurance companies to help set premiums.

• Too many claims drive up insurance coverage rates – If you file claims often, you can expect much higher rates or policy non-renewal. Insurance companies award lower rates to people who only file infrequent claims. Insurance coverage is meant to be used in the event of the large, substantial claims.
• Your gender affects premiums – Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Both genders get in fender benders at a similar rate, but the males tend to have higher claims. In addition to higher claims, males also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 have the highest risk to insure and are penalized with high insurance coverage rates.
• Higher comp and collision deductibles save money – Comprehensive and collision coverage deductibles tell how much you are willing to pay in the event of a 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 would be rearending another vehicle, damage caused by hail, and having a roll-over accident. The more damage repair cost the insured is willing to pay, the less your insurance coverage will be on Spirit insurance.
• Vehicle features that cut premiums – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
• More than one policy can earn a discount – The majority of insurers give better rates to clients that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, it’s always a smart idea to comparison shop to confirm you are receiving the best rates possible.
• More traffic equals higher premiums – Residing in less populated areas of the country is a good thing when insuring your vehicles. Fewer people means fewer accidents and lower theft and vandalism rates. Residents of big cities have congested traffic and much longer commute distances. Spending more time driving statistically corresponds to a higher accident and claim rate.
• Safer the car lower the rate – Cars with five star safety ratings can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy. If your Dodge Spirit scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining whether or not you will benefit from professional help.

• Should I file a claim if it’s only slightly more than my deductible?
• What can I do if my company won’t pay a claim?
• What if I total my 1995 Dodge Spirit and owe more than it’s worth?
• Can I drive in Mexico and have coverage?
• Can I rate high risk drivers on liability-only vehicles?
• When does my teenage driver need to be added to my policy?
• Is my ex-spouse still covered by my policy?
• What is the ISO rating for a 1995 Dodge Spirit?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Tricks in insurance coverage advertising

Consumers can’t get away from all the ads that promise big savings by companies like Progressive, Allstate and Geico. They all seem to tend to make the same promise of big savings if you move your policy.

That’s great but how can every company offer drivers better rates? This is the way they can do it.

Companies look for specific characteristics for the type of customer that is profitable for them. A good example of this type of driver may be married and over the age of 30, owns their home, and drives newer vehicles. A propective insured who fits those characteristics will probably get cheap premium rates and will probably save when they switch companies.

People who fall outside these standards will be charged a higher premium which leads to business going elsewhere. The trick companies use is to say “drivers who switch” not “everybody who quotes” save the amount stated. That’s the way companies can make claims that they all have the best premium rates. Because of the profiling, drivers should get insurance coverage quotes as often as possible. It’s impossible to know with any certainty which company will have the best car insurance rates.

Auto insurance coverage information

Learning about specific coverages of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as loss of income, emergency aid, structural damage, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Spirit resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like rehabilitation expenses, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

At the end of the day…

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

We just presented many ideas to compare 1995 Dodge Spirit insurance car insurance rates online. It’s most important to understand that the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the lowest car insurance rates are with the least-expected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Some insurance companies may not have the ability to get a quote online and most of the time these regional insurance providers work with independent agents. Low-cost 1995 Dodge Spirit insurance can be found both online as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money.

Additional information can be read below:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)