Cheap 1990 Dodge Colt Insurance Rates

Wish you could get out of high-priced insurance coverage? Don’t feel bad because many drivers have buyer’s remorse. Having so many choices, it can be diffult for people to pick the best insurance coverage provider.

You need to price shop coverage before your next renewal because insurance prices fluctuate regularly. Just because you found the lowest price on Colt insurance at your last renewal you can probably find a better rate quote now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the easiest way to reduce your cost while improving coverage.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Consumers just need to know the most efficient way to shop their coverage around on the web.

The Dodge Colt insurance price equation

Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic such as traffic violations, but others are not quite as obvious such as your credit history or your vehicle rating.

  • Insurance coverage policy lapses increase rates – Driving without insurance can get your license suspended and any future policy may cost more because you let your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance can result in fines and jail time.
  • Cheaper rates with high coverage deductibles – The deductibles you choose define the amount you are required to pay if you file a covered claim. Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a stationary object, hail damage, and damage from wind. The more money you are required to pay out-of-pocket, the bigger discount you will receive on Colt insurance.
  • Drive less and get lower premiums – Driving a lot of miles annually the more you’ll pay to insure your vehicle. Most insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles not used for work or commuting receive better premium rates than vehicles that have high annual mileage. Verify your vehicle rating correctly shows how each vehicle is driven. Having the wrong rating on your Colt is throwing money out the window.
  • Your gender affects prices – Over time, data shows that females take fewer risks when driving. However, don’t assume that women are better drivers. Women and men cause fender benders at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations such as reckless driving.

These discounts can cut car insurance rates

Some insurance providers do not list every policy discount in a way that’s easy to find, so the next list breaks down a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online. If you are not receiving all the discounts possible, you may be paying too high a price.

  • Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education in school.
  • Auto/Life Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance too.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get better car insurancerates on cars that stay parked.
  • Bundle and Save – If you insure your home and vehicles and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Telematics Discount – Drivers who agree to allow data collection to monitor where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
  • Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote on Colt insurance than their less cautious counterparts.
  • Pay Upfront and Save – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
  • Good Student – Performing well in school can save 20 to 25%. Most companies allow this discount up until you turn 25.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you aren’t that lucky. But all discounts will bring down the cost of your policy.

Auto insurance companies who might offer most of the discounts above include:

When getting free insurance coverage quotes, it’s a good idea to each company which discounts they offer. Some discounts might not apply everywhere. If you would like to see a list of insurance companies that offer some of these discounts, click here to view.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Why is insurance for a teen driver so high?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my 1990 Dodge Colt covered for smoke damage?
  • Should I have combined single limit or split liability limits?
  • Am I covered when delivering products for my home-based business?
  • What can I do if my company denied a claim?
  • What vehicles should carry emergency assistance coverage?
  • Should I buy full coverage?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage considerations

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.

Auto liability insurance – This coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as bail bonds, pain and suffering, loss of income, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your Colt resulting from colliding 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 pays for claims such as crashing into a ditch, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for immediate expenses for things like ambulance fees, EMT expenses and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

In the end, you save

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

We covered some good ideas how to lower your 1990 Dodge Colt insurance premium rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even find the most savings is with an unexpected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

More tips and info about car insurance is available at these sites: