How Much Does 1995 Dodge Spirit Car Insurance Cost?

Consumers have many options when looking for the best price on Dodge Spirit insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to find the lowest rates.

There are more efficient ways to shop for auto insurance so you’re going to learn the quickest way to get price quotes for your Dodge and obtain the best price possible from both online companies and local agents.

Consumers need to get comparison quotes yearly because auto insurance rates are constantly changing. Just because you found the lowest premium rates on Spirit insurance a few years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the best methods to lower your annual insurance bill.

First Step: Get free car insurance quotes

Cutting your car insurance rates isn’t really that difficult. The only thing you need to do is invest a few minutes getting comparison quotes from online providers. Price comparisons can be done in several different ways.

  1. The single most time-saving way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form keeps you from doing a different quote for every prospective company. Just one form gets insurance cost estimates from several companies.It’s the quickest way to get rates.
  2. A more time consuming way to compare rate quotes consists of going to each company website to complete their respective quote request forms. For example, we’ll assume you want to get rates from State Farm, Liberty Mutual and GMAC. You would have to spend time on each company’s site to enter your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

Which method you use is up to you, but be sure you’re using the same coverages and limits for every quote you compare. If you enter different coverage information it will be impossible to make an equal comparison.

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Are you getting every discount?

Car insurance can be pricey, but you might already qualify for some discounts that could help you make your next renewal payment. A few discounts will automatically apply when you complete an application, but less common discounts must be requested specifically prior to receiving the credit.

  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Safety Course Discount – Participating in a class that teaches driver safety techniques may get you a small discount depending on where you live.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can be considerably cheaper since new model year vehicles are generally safer.
  • Distant Student – who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Paper-free Discount – A handful of larger companies may give you up to $50 for buying a policy and signing up on your computer.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • Responsible Driver Discount – Drivers who avoid accidents can save as much as half off their rates on Spirit insurance than drivers with accidents.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

Large car insurance companies and some of the premium reductions they offer are detailed below.

  • Geico may have discounts that include anti-lock brakes, air bags, good student, federal employee, seat belt use, and membership and employees.
  • Mercury Insurance policyholders can earn discounts including anti-theft, accident-free, multi-car, low natural disaster claims, and annual mileage.
  • Farmers Insurance has savings for bundle discounts, switch companies, pay in full, multi-car, and distant student.
  • Auto-Owners Insurance offers premium reductions for paid in full, multi-policy, company car, anti-lock brakes, multiple vehicles, and paperless.
  • Liberty Mutual includes discounts for teen driver discount, new vehicle discount, new move discount, new graduate, newly married, newly retired, and safety features.
  • SAFECO offers discounts for anti-theft, drive less, accident prevention training, safe driver, homeowner, anti-lock brakes, and multi-car.
  • Progressive may offer discounts for continuous coverage, good student, multi-vehicle, online signing, and multi-policy.
  • USAA has discounts for new vehicle, loyalty savings, military installation, family discount, vehicle storage, annual mileage, and safe driver.

If you need cheap insurance quotes, ask all the companies how many discounts you can get. Some credits may not apply to policies in your area. To find car insurance companies that can offer you the previously mentioned discounts, click here to view.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Should I buy full coverage?
  • Am I covered when driving in Canada or Mexico?
  • What if I total my 1995 Dodge Spirit and owe more than it’s worth?
  • Do I need more liability coverage?
  • Can I get a multi-policy discount?
  • Why does it cost so much to insure a teen driver?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need replacement cost coverage on my 1995 Dodge Spirit?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance specifics

Having a good grasp of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, theft and fire damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like funeral expenses, legal defense fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Dodge Spirit.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, nursing services, pain medications and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

This will pay to fix damage to your Spirit caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, scraping a guard rail, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

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