Save on 1993 Dodge Spirit Insurance Quotes

Searching for cheaper auto insurance rates for your Dodge Spirit? Car owners who are new to comparing insurance rates online are likely to discover buying the cheapest insurance coverage is harder than it should be.

It’s a good habit to get comparison quotes once or twice a year because auto insurance rates change quite often. Even if you got the best premium rates for Spirit coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest and easiest way to save money, get proper coverage and the best rates.

Finding affordable coverage is not that difficult. If you currently have car insurance, you should be able to reduce your rates substantially using this information. Nevertheless, vehicle owners should learn how companies price online insurance and take advantage of how the system works.

Quote insurance online

The are a couple different ways to compare quotes from different insurance companies. The recommended way to compare 1993 Dodge Spirit insurance prices is to get quotes online. It is quite easy and can be accomplished in several different ways.

The most efficient way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for a different quote for every company. One simple form gets rate comparisons from insurance companies with the best prices. Just one form and you’re done.
A harder way to obtain and compare quotes online consists of going to the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you are doing a rate comparison from USAA, Progressive and American Family. You would be required to go to each individual site and enter your policy data, which can take a lot of time.
For a list of links to companies insuring cars in your area, click here.
The most time-consuming way to compare price quotes is going to local insurance agencies. The internet eliminates this option unless you require the personal advice of a licensed agent. Some companies do allow you to find lower rates online but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just ensure you are comparing the same quote data with every price quote. If each company quotes different limits and deductibles on each one then you won’t be able to make a fair comparison for your Dodge Spirit. Having just a slight variation in coverages could mean much higher rates. And when comparing insurance rates, know that more quotes gives you a better chance of getting the best offered rates.

Car insurance rates and discounts

Some providers don’t list every possible discount in a way that’s easy to find, so the below list has some of the more common and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

Multi-car Discount – Insuring multiple cars on the same car insurance policy could earn a price break for each car.
Use Seat Belts – Requiring all passengers to use a seat belt could save 15% off the PIP or medical payment premium.
Memberships – Belonging to specific professional or occupational memberships or organizations may earn a discount on your bill.
Distant Student – Older children living away from home attending college and won’t have access to an insured vehicle can receive lower rates.
Bundled Policy Discount – If you can bundle your homeowners and auto insurance with the same company you could earn a discount of as much as 10 to 15 percent.

One thing to note about discounts is that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way.

If you would like to choose from a list of insurers who offer online car insurance quotes, click here to view.

Situations that may require an agent’s advice

When choosing the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

Who is covered when they drive my 1993 Dodge Spirit?
Do I need to file an SR-22 for a DUI in my state?
What is the difference between comprehensive and collision coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my teenager covered with friends in the car?
Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage specifics

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This will pay to fix 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 can pay for things such as damage from flooding, hail damage and hitting a deer. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This coverage will cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s 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.

Liability coverage pays for claims like loss of income, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage covers damage to your Spirit resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like surgery, prosthetic devices, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1993 Dodge Spirit.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.