1996 Dodge Stealth Car Insurance Cost – 7 Discounts for Best Prices

Want lower insurance rates for your Dodge Stealth? When looking for more affordable insurance, are you frustrated by the crazy number of insurance providers that you can choose from? Consumers have so many options that it can really be a difficult mission to find a cheaper company.

It’s important to compare premium rates on a regular basis because insurance rates trend upward over time. If you had the best deal on Stealth coverage six months ago you can probably find a better price now. You can find a lot of misleading information regarding insurance online but in just a couple of minutes you can learn a bunch of ideas how to save money.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. This article will introduce you to how car insurance quotes work and some money-saving tips. But drivers must learn how the larger insurance companies compete online and apply this information to your search.

The cheapest auto insurance quotes online

All major auto insurance companies allow you to get prices from their websites. Comparing rates online is very simple as all you need to do is type in your personal and coverage information into the quote form. When the form is submitted, their system will obtain your credit score and driving record and returns a price.

Quoting online makes it simple to compare prices but having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s very important to compare as many rates as possible in order to get the lowest possible prices on auto insurance.

A quicker way to find cheaper rates utilizes a single form that obtains quotes from several different companies. This type of form saves time, reduces the work, and makes online quotes much more efficient. After your information is entered, it gets priced and you can choose any one of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process only takes a few minutes and may result in a nice savings.

In order to find out how much you’re overpaying now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. This makes sure you are getting rate comparison quotes based on identical coverages.

Take these seven policy discounts and save

Car insurance is neither fun to buy or cheap, but you might be missing out on some discounts that could help you make your next renewal payment. Some of these disounts will be visible when you complete an application, but a few must be inquired about before being credited.

• Military Rewards – Having a deployed family member can result in better prices.
• Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
• Safe Driver Discounts – Insureds without accidents may receive a discount up to 45% on Stealth coverage compared to accident prone drivers.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Memberships – Having an affiliation with a professional or civic organization could earn you a nice discount when getting a auto insurance quote.
• Theft Deterent Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Multiple Vehicles – Buying a policy with several vehicles with the same company can reduce the rates for all insured vehicles.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

A few popular companies and the discounts they provide can be read below.

• Farmers Insurance offers discounts for good student, distant student, mature driver, homeowner, electronic funds transfer, and business and professional.
• State Farm may include discounts for defensive driving training, passive restraint, anti-theft, multiple policy, and student away at school.
• Liberty Mutual discounts include safety features, newly married, multi-policy, teen driver discount, new graduate, and hybrid vehicle.
• MetLife may offer discounts for multi-policy, defensive driver, good student, good driver, claim-free, accident-free
• Progressive includes discounts for multi-vehicle, homeowner, online signing, multi-policy, and online quote discount.

If you need affordable auto insurance quotes, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not apply in your area. To choose car insurance companies with the best discounts, click here.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions might point out if your insurance needs may require specific advice.

• Is my nanny covered when driving my vehicle?
• Does liability extend to a camper or trailer?
• Where can I find DUI or SR-22 insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• Where can I find high-risk insurance?
• Is there coverage for injuries to my pets?
• Is my 1996 Dodge Stealth covered for smoke damage?
• How can I get my company to pay me more for my totalled car?
• Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Coverage specifics

Having a good grasp of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Dodge Stealth.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability – This coverage can cover damage or injury you incur to people or other property that is your fault. 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 for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, court costs, pain and suffering and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for expenses for things like pain medications, nursing services, EMT expenses and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive insurance – 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 coverage protects against things such as a broken windshield, hitting a bird, damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum payout your car 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 not worth carrying full coverage.

Money doesn’t grow on trees

A few companies may not offer rate quotes online small, regional companies prefer to sell through independent insurance agencies. Cheaper 1996 Dodge Stealth insurance can be sourced from both online companies as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

We’ve covered some good ideas how you can get a better price on 1996 Dodge Stealth insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. You may even discover the lowest premium rates are with some of the lesser-known companies.

When shopping online for insurance, you should never sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage only to find out that it was a big error on their part. Your objective should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

Additional information can be read at the links below

• What is Covered by GAP Insurance? (Allstate)
• Child Safety FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Full Coverage? (Allstate)