1992 Dodge Spirit Car Insurance Quotes – 10 Ways to Save

Searching for the cheapest auto insurance rates for your Dodge Spirit? Are you at wits end from scraping the payment together to pay auto insurance each month? You’re in the same situation as many other consumers. There is such a variety of car insurance companies to choose from, and though it is a good thing to have a selection, it makes it harder to locate the cheapest rates.

Consumers should take time to get comparison quotes before your policy renews because auto insurance prices change quite often. Just because you had the lowest quotes on Spirit coverage a few years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in the best methods to properly buy coverages and cut your premium.

Auto insurance quotes comparison

Finding a lower price on 1992 Dodge Spirit insurance is a great way to save money. The only requirement is to take a few minutes getting comparison quotes from different insurance companies. It’s super easy and can be done by following the guidelines below.

  1. Experts agree that the best way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form saves time by eliminating repetitive form entry for every auto insurance company. One simple form gets rate comparisons from auto insurance companies with the best prices.
  2. A more difficult way to compare prices consists of going to the website for every company you want to comare to request a price quote. For examples sake, let’s assume you want to compare prices for State Farm, Geico and Travelers. In order to get each rate, you would have to navigate to each company’s site and type in your information over and over, which can be really labor intensive.

    For a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure you’re using identical information for each quote you get. If each company quotes unequal deductibles or liability limits it will be next to impossible to make a fair rate comparison.

Insurance can get complicated

When choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Do I need rental car coverage?
  • How much liability insurance is required?
  • What is covered by UM/UIM coverage?
  • Does insurance cover tools stolen from my truck?
  • Do I pay less if my vehicle is kept in my garage?
  • When should I buy a commercial auto policy?
  • Does my insurance cover my expensive audio equipment?
  • How much underlying liability do I need for an umbrella policy?
  • Can I still get insurance after a DUI?
  • Do I need PIP (personal injury protection) coverage in my state?

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 an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses for funeral costs, ambulance fees, chiropractic care, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage – This coverage covers damage to your Spirit from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, crashing into a ditch, rolling your car, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage – Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, structural damage and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.