1993 Dodge Shadow Car Insurance Quotes – 6 Tips for Cheapest Rates

Being forced to pay for overpriced auto insurance premiums can deplete your savings account and make it tough to pay other bills. Having so many companies to choose from, it can be hard to pick the best insurance company.

How to get cheap auto insurance

Most companies allow consumers to get prices for coverage on the web. Obtaining pricing doesn’t take a lot of time as you just type in your coverage information on the page. After you complete the form, the system automatically retrieves your driving and credit reports and generates a price determined by many factors. This helps simplify price comparisons, but having to visit many different websites and type in your information can get tiresome after awhile. But it’s necessary to compare as many rates as possible in order to get the best price possible.

There is an easier way to compare rates

A more efficient way to lower your auto insurance bill requires only one form that gets prices from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. Immediately after submitting the form, it is rated and you can select your choice of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and you’ll know if lower rates are available.

If you want to compare rates using this form now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you input the insurance coverages as shown on your current policy. Doing this assures you will be getting an apples-to-apples comparison for exact coverage.

Take these six policy discounts and save

Auto insurance is expensive, but you can get discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but a few must be asked about prior to receiving the credit.

  • Professional Organizations – Joining qualifying employment or professional organizations could earn you a nice discount on your next auto insurance statement.
  • Policy Bundle Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
  • Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Shadow coverage compared to accident prone drivers.
  • Drive Less and Save – Driving less could qualify for discounted prices on garaged vehicles.
  • Buy New and Save – Putting auto insurance coverage on a new car can cost up to 25% less because newer vehicles are generally safer.
  • Onboard Data Collection – Drivers who agree to allow data collection to monitor vehicle usage by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you aren’t that lucky.

A partial list of companies that may offer these money-saving discounts possibly include:

When getting a coverage quote, ask every insurance company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area. To see insurance companies who offer auto insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need an agent’s assistance.

  • Will filing a claim cost me more?
  • Am I covered if my car is in a flood?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my dog or cat covered if injured in an accident?
  • Why do I only qualify for high-risk insurance?
  • Who is covered when they drive my 1993 Dodge Shadow?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Why you might not save $398 a year

Consumers can’t avoid all the ads that claim the cheapest prices from companies such as Progressive, Geico, Allstate and State Farm. They all have a common claim that you can save if you move your policy.

How is it plausible that every one can charge you less for auto insurance? You have to listen carefully.

Most companies quote their best rates for the type of customer that earns them the highest profit. For example, a profitable insured might be described as over the age of 45, has a clean driving record, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will get very good rates and therefore will cut their rates if they switch.

Consumers who are not a match for this stringent profile may be required to pay a higher premium which usually ends up with the customer not purchasing. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can advertise the savings. Because of these techniques, drivers should compare as many free auto insurance quotes as you can. It’s not possible to predict which company will provide you with the cheapest auto insurance rates.

Coverages available on your policy

Learning about specific coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Comprehensive auto insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, falling objects and damage from getting keyed. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses such as surgery, nursing services, chiropractic care, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance provides protection from damage that occurs to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, structural damage and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Shadow.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Find Good Coverage for Less

When shopping online for car insurance, it’s not a good idea to reduce coverage to reduce premium. In many cases, drivers have reduced uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

We just presented a lot of techniques to lower your 1993 Dodge Shadow insurance auto insurance rates. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest auto insurance rates come from some of the lesser-known companies. Some small companies may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

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