Lower Your 1994 Dodge Spirit Insurance Quotes

Do you get exhausted from scraping the payment together to pay car insurance each month? You have the same problem as the majority of other drivers. Big-name insurance companies like State Farm, Geico and Farmers Insurance persitently shower you with catchy ads and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

If you have a policy now or need new coverage, you can use these tips to cut your premiums while maximizing coverage. Buying car insurance is quite easy. Consumers just need to understand the best way to compare prices online.

How to get free insurance coverage quotes online

Most larger insurance companies give pricing from their websites. Comparing prices online is fairly simple because it’s just a matter of typing in your coverage information on the page. After the form is submitted, their quoting system will order reports for credit and driving violations and generates a price based on the data you entered. Online quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is a big time waster. But it is imperative to compare as many rates as possible if you are searching for a better rate.

Online rates the easy way

A less time-consuming method to find lower prices uses one form to return rates from several different companies. It saves time, reduces the work, and makes online shopping a lot less work. After your information is entered, it gets priced and you can select any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To save time and get comparison pricing now, click here and input your coverage information. If you have coverage now, it’s recommended you complete the form with the insurance coverages as shown on your current policy. Using the same limits helps guarantee you will get an apples-to-apples comparison based on identical coverages.

Lower rate quotes with discounts

Some companies don’t always publicize every available discount in a way that’s easy to find, so the list below gives a summary of both well-publicized as well as some of the hidden discounts you could be receiving when you buy insurance online. If you’re not getting every credit possible, you could be paying more than you need to.

• Driver Education Discount – Teen drivers should sucessfully take a drivers education course in high school.
• Military Deployment Discount – Having an actively deployed family member could be rewarded with lower premium rates.
• Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease for Spirit coverage depending on your insurance provider.
• Early Renewal Discounts – Select insurance companies give a discount for switching companies before your current expiration date. The savings is around 10%.
• Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are much safer to drive and will save you 10% or more.
• Discounts for Cautious Drivers – Accident-free drivers can save up to 40% or more on their insurance quote for Spirit coverage compared to accident prone drivers.
• Professional Organizations – Participating in certain professional organizations may earn a discount on your next renewal.
• First Accident Forgiveness – Not really a discount, but some insurance companies will forgive one accident before your rates go up if your claims history is clear prior to being involved in the accident.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts will reduce your overall premium however.

To see providers who offer cheap insurance quotes, click here.

What is the best auto insurance coverage?

When choosing adequate coverage, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

• If my pet gets injured in an accident are they covered?
• Am I covered if I hit my neighbor’s mailbox?
• Is my cargo covered for damage or theft?
• Should I have a commercial auto policy?
• Can I rent a car in Mexico?
• Is my ex-spouse still covered by my policy?
• Should I bundle my homeowners policy with my auto?
• Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

The coverage is in the details

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, vandalism, a broken windshield, hitting a deer and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This coverage will pay to fix damage to your Spirit caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1994 Dodge Spirit.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage, emergency aid and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.