1991 Dodge Stealth Car Insurance Rates – 7 Tricks for Cheaper Quotes

Scraping up a payment for overpriced Dodge Stealth insurance can dwindle your budget and force you to prioritize other expenses. Doing a price comparison can lower your rates and help to cut your insurance bill.

With vehicle owners having so many different company options, it can be diffult for drivers to choose the cheapest insurance company.

This article will familiarize you with how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Consumers just need to understand the best way to buy insurance online.

Discounts can really help to save

Car insurance is not cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Certain discounts will be applied when you complete an application, but some discounts are required to be asked about in order for you to get them.

  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.
  • Homeowners Savings – Just owning your own home can earn you a little savings because it is proof of financial responsibility.
  • Multi-car Discount – Drivers who insure multiple cars on one policy can reduce the rates for all insured vehicles.
  • Defensive Driver Discounts – Completing a class that teaches defensive driver techniques may get you a small discount and make you a better driver.
  • ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Safe Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates for Stealth insurance as compared to drivers with claims.
  • Passenger Safety Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.

Remember that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, follow this link.

Is there deception in advertising?

Consumers can’t ignore all the ads that claim the best prices by companies like Geico, State Farm and Progressive. All the companies state the claim that drivers can save some big amount if you just switch to their company.

How is it possible that every company can offer drivers better rates? This is the trick they use.

All the different companies have an ideal profile for a prospective insured that will be a good risk. A good example of a desirable insured might have to be a mature driver, owns their home, and insures a new vehicle. A customer getting a price quote that matches those criteria may get the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Insureds who don’t qualify for those criteria will probably be forced to pay higher premium rates with the end result being the customer not purchasing. The trick is to say “drivers that switch” not “everyone that quotes” save the amount stated. That is how insurance companies can confidently make those claims.

Each company has different criteria, so you really need to get car insurance quotes from several different companies. It is just not possible to predict which insurance companies will provide the lowest prices.

Will just any policy work for me?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are rock chip repairs covered?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What are the financial responsibility laws in my state?
  • Is rental equipment covered for theft or damage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, a broken windshield, hitting a deer and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability coverage protects you from injuries or damage you cause to people or other property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, court costs, funeral expenses and attorney fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for chiropractic care, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Stealth resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 1991 Dodge Stealth.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Don’t be a big spender

Cheap 1991 Dodge Stealth insurance is available online as well as from insurance agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide price quotes online and most of the time these small insurance companies only sell through independent agencies.

We’ve covered many ideas to get a better price on 1991 Dodge Stealth insurance. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a small mutual company. These companies may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an insured dropped collision coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

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