1991 Dodge Shadow Insurance Rates – 6 Tips for Cheaper Quotes

Shoppers have a choice when shopping for the best price on Dodge Shadow insurance. They can either spend hours driving around to compare prices or use the internet to compare rates.

There is a better way to find insurance coverage online and we’ll show you the absolute fastest way to get price quotes on a Dodge and find the lowest price from local insurance agents and online providers.

If you have a policy now or need new coverage, you can use these tips to shop for the lowest rates and still get good coverage. This article will familiarize you with the best way to quote coverages and some tips to save money. Drivers just need to know the most efficient way to shop on the web.

Save a ton with these six discounts

Insurance can be prohibitively expensive, but there could be significant discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some discounts are required to be inquired about prior to receiving the credit. If you aren’t receiving every discount you deserve, you could be saving more on your auto insurance.

  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Shadow coverage than drivers with accidents.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up can save a little off the personal injury premium cost.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Accident Waiver – Not a discount per se, but certain companies will let one accident slide without the usual rate increase if your claims history is clear for a set time period.
  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can avoid accidents and will save you 10% or more.
  • Government Employees – Federal government employees can save as much as 8% for Shadow coverage depending on your auto insurance provider.

As a sidenote, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, it’s just not the way it works.

To see a list of insurers with discount auto insurance rates, click this link.

How much is auto insurance?

Lowering your 1991 Dodge Shadow auto insurance rates is not rocket science. Consumers just need to spend a few minutes to compare rate quotes online with multiple companies. Shoppers can get rates in a couple of different ways.

  1. One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating multiple quote forms for each company you want a rate for. Just one form gets rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  2. A more difficult way to get quotes online is to take the time to go to the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want to compare rates from Progressive, State Farm and Farmers. You would have to spend time on each company’s site and punch in your information repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  3. The most time-consuming way to compare rates is to spend time driving to and from local insurance agencies. The internet makes this unnecessary unless you want the trained guidance that only a licensed agent can provide. If you prefer, some companies allow you to compare online quotes but buy the policy through an agent.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage information with every price quote. If you enter unequal deductibles or liability limits you can’t possibly get a fair rate comparison.

Insurance can be complex

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Is my trailer covered?
  • Why do I need rental car insurance?
  • Does my 1991 Dodge Shadow qualify for pleasure use?
  • How can I get high-risk coverage after a DUI?
  • Can I drive in Mexico and have coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I afford low physical damage deductibles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like ambulance fees, chiropractic care, surgery, hospital visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 1991 Dodge Shadow.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, backing into a parked car, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Shop Smart and Save

More affordable insurance coverage can be found on the web as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not offer the ability to get a quote online and usually these small insurance companies only sell through independent agents.

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, high prices, delays in responding to claim requests and even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy a smart amount of coverage at the best cost while still protecting your assets.

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