Cheap 1994 Dodge Stealth Car Insurance Rates

Searching for cheaper car insurance rates for your Dodge Stealth? There isn’t anyone who looks forward to buying car insurance, especially when they know it costs too dang much.

You have so many insurers to insure vehicles with, and even though it’s nice to have a choice, it makes it harder to compare rates and cut insurance costs.

Finding the best rates is not rocket science. Just about everyone who shops for insurance will most likely be able to reduce their rates. But consumers do need to understand the way insurance companies sell insurance online and apply this information to your search.

First Step: Get free insurance quotes

To find the best insurance quotes, there are several ways of comparing rate quotes from companies that offer insurance in your state. The quickest method to do a complete rate comparison is to get quotes online. This can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method prevents you from having to do a different quote for every insurance company. One form submission gets you coverage quotes from multiple companies.
  2. A more time consuming way to compare rate quotes consists of going to the website for every company you want to comare to complete their respective quote request forms. For instance, let’s say you want to compare prices for Nationwide, Progressive and State Farm. You would be required to take the time to go to each site to input your insurance information, and that explains why we recommend the first method.

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

Compare rates however you want, just make sure you use the same information on every quote you get. If you have mixed coverages it will be next to impossible to determine which company has the best rates. Just slight variations in limits may result in a large different in cost. And when comparing insurance rates, know that getting more free quotes will increase your chances of finding the best price. Some companies don’t provide online rate quotes, so it’s important to also get quotes from those companies as well.

Don’t overlook these insurance coverage discounts

Companies that sell car insurance don’t list the entire discount list in an easy-to-find place, so we researched some of the best known as well as the least known discounts that you can inquire about if you buy insurance coverage online.

  • Discounts for Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote on Stealth coverage than less cautious drivers.
  • 55 and Retired – Older drivers can possibly qualify for a slight reduction on a insurance coverage quote on Stealth coverage.
  • Auto/Life Discount – If the company offers life insurance, you could get a lower insurance coverage rate if you buy some life insurance in addition to your auto policy.
  • Professional Organizations – Being a member of certain professional organizations is a good way to get lower rates when getting a insurance coverage quote.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance and insure them with the same company they may give you a discount of up to 20% and get you cheap insurance coverage.
  • Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky.

Companies and some of their more popular discounts are outlined below.

  • Geico offers discounts including air bags, membership and employees, emergency military deployment, five-year accident-free, and federal employee.
  • MetLife may offer discounts for defensive driver, multi-policy, accident-free, good student, good driver, claim-free
  • Progressive may have discounts that include online quote discount, homeowner, continuous coverage, multi-policy, and multi-vehicle.
  • Travelers policyholders can earn discounts including multi-policy, early quote, student away at school, multi-car, and home ownership.
  • SAFECO offers premium reductions for accident prevention training, multi-car, bundle discounts, safe driver, drive less, and teen safety rewards.
  • AAA offers discounts for anti-theft, multi-car, multi-policy, good student, education and occupation, and AAA membership discount.

When quoting, ask each company which credits you are entitled to. Some discounts listed above may not apply to policyholders in your area. If you would like to see a list of companies offering insurance coverage discounts, click here to view.

When to get professional advice

When choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • What can I do if my company denied a claim?
  • Should I get collision insurance on every vehicle?
  • Which companies will insure high-risk drivers?
  • Are my friends covered when driving my car?
  • Am I covered when using my vehicle for business?
  • Are my tools covered if they get stolen from my vehicle?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Why your insurance premiums might be higher

Multiple criteria are used when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are more obscure like your continuous coverage or how safe your car is.One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that aid in calculating the price you pay for insurance. When consumers understand what controls the rates you pay, this helps enable you to make changes that may reward you with lower premium levels.

The list below includes just a few of the factors insurance companies consider when setting premiums.

  • Prevent theft and save – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft and help lower rates.
  • Annual mileage and car insurance rates – The more you drive in a year’s time the higher your rates will be. The majority of insurers apply a rate based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time cost less to insure compared to those used for work or business. It’s a good idea to make sure your policy states the right rating data. Having an incorrect usage rating on your Stealth may be wasting your money.
  • Single drivers take more risk – Having a wife or husband may cut your premiums on your insurance bill. Having a significant other demonstrates that you tend to be more stable financially and it’s statistically proven that being married results in fewer claims.
  • No insurance claims equals better premiums – If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies give cheaper rates to drivers who are claim-free. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • If you don’t need it don’t buy it – There are a ton of additional extra coverages that you can buy if you aren’t careful. Insurance for coverage for rental cars, towing coverage, and membership fees may be wasting your money. They may seem good initially, but if they’re wasting money consider taking them off your policy.
  • Your occupation can affect insurance rates – Occupations such as military personnel, executives and financial analysts tend to pay the highest average rates attributed to intense work situations and lots of time spent at work. Other occupations such as farmers, students and the unemployed get better rates on Stealth coverage.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, rolling your car, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as funeral costs, EMT expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverages

This will cover damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as legal defense fees, bail bonds, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Stealth.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, theft, fire damage, falling objects and a tree branch falling on your vehicle. The most 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 it’s not worth carrying full coverage.

Coverage on a shoestring budget

You just read many ideas to get a better price on 1994 Dodge Stealth insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheap insurance coverage. Consumers could even find that the best price on insurance is with a small mutual company. Some small companies may only write in your state and offer lower premium rates than their larger competitors like Progressive or Geico.

Cheaper insurance is available online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not have internet price quotes and many times these regional carriers provide coverage only through independent insurance agents.

More detailed insurance information can be read by following these links: