1992 Dodge Colt Insurance Quotes – 5 Discounts for Cheaper Rates

Looking for lower car insurance rates for your Dodge Colt? Feel like you have an underperforming, overpriced car insurance policy? Say no more because many consumers are in the same pinch. Lots of insurers contend for your hard-earned dollar, and it can be difficult to compare rates to find the cheapest price

The method we recommend to compare insurance rates from multiple companies takes advantage of the fact all the major auto insurance companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is provide a little information including if you went to college, the year, make and model of vehicles, daily mileage, and whether you drive to work or school. Your information is instantly sent to insurance companies and they provide comparison quotes very quickly.

Save a ton with these five discounts

Auto insurance companies don’t list every available discount in a way that’s easy to find, so the following list contains both the well known and the more hidden ways to save on insurance coverage.

  • Senior Discount – Mature drivers are able to get reduced rates on Colt insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
  • Early Signing – A few companies allow discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Home Ownership Discount – Just owning your own home can save you money due to the fact that maintaining a home requires personal responsibility.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

A list of insurance coverage companies and a partial list of their discounts can be read below.

  • Geico includes discounts for emergency military deployment, air bags, daytime running lights, federal employee, and multi-policy.
  • Auto-Owners Insurance offers premium reductions for multiple vehicles, mature driver, company car, student away at school, paid in full, teen driver, and anti-theft.
  • American Family has savings for good student, accident-free, bundled insurance, early bird, good driver, defensive driver, and TimeAway discount.
  • Esurance offers discounts including good student, anti-theft, renters, claim free, paid-in-full, emergency road assistance, and good driver.
  • Progressive discounts include multi-policy, good student, online quote discount, multi-vehicle, online signing, and homeowner.
  • State Farm may include discounts for driver’s education, Steer Clear safe driver discount, defensive driving training, good student, and Drive Safe & Save.
  • AAA has discounts for multi-car, anti-theft, education and occupation, good driver, AAA membership discount, and pay-in-full.

Before buying, ask each insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in your area.

Insurance can be complex

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Why is insurance for a teen driver so high?
  • What can I do if my company denied a claim?
  • Is my teen driver covered when they drive my company car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I hit a deer?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does insurance cover damages from a DUI accident?
  • When should I buy a commercial auto policy?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a 1992 Dodge Colt

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses like chiropractic care, dental work, EMT expenses, doctor visits and funeral costs. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, sideswiping another vehicle, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability auto insurance – This protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others. 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. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like emergency aid, attorney fees, bail bonds, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Quote more, save more

You just learned some good ideas how you can save on 1992 Dodge Colt insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest priced car insurance comes from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

More affordable car insurance is possible online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer rate quotes online and usually these smaller companies only sell through independent insurance agents.

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