Save on 1990 Dodge Spirit Insurance Quotes

Looking for cheaper car insurance rates for your Dodge Spirit? No one looks forward to paying for car insurance, particularly when they could get a better deal.

There is such a variety of insurance companies to pick from, and even though it’s nice to be able to choose, lots of choices makes it harder to get the best deal.

How to shop car insurance online

All major car insurance companies allow consumers to get coverage prices online. Obtaining pricing is possible for anyone as you just type in the amount of coverage you want into a form. Upon sending the form, the company’s rating system obtains reports for credit and driving violations and quotes a price based on many factors. This streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in your information is a big time waster. But it’s absolutely necessary to have as many quotes as possible if you want to find the best price possible.

The easy way to compare rates

The smarter way to find cheaper rates is to use a quote form to get prices from several different companies. The form is fast, requires much less work on your part, and makes rate comparisons a lot less work. After sending the form, it gets priced and you can select any or none of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and may save quite a bit of money.

To compare rates now, click here and submit the form. If you have a policy now, it’s recommended you duplicate the coverage information as close as possible to your current policy. Doing this guarantees you will receive an apples-to-apples comparison using the same coverage and limits.

Earn discounts on auto insurance

Some providers don’t always advertise their entire list of discounts very well, so here is a list a few of the more common as well as the least known credits available to lower your premiums when you buy car insurance online.

  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • No Accidents – Drivers with accident-free driving histories get the best auto insurance rates in comparison with drivers who are more careless.
  • Discount for Home Ownership – Just being a homeowner can get you a discount since home ownership demonstrates responsibility.
  • Discount for Low Mileage – Fewer annual miles on your Dodge could qualify for better rates on cars that stay parked.
  • Early Renewal Discounts – Some auto insurance companies reward drivers for buying a new policy early. You could save around 10% when you buy car insurance online.
  • Discounts for Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

A few of the larger companies and a partial list of their discounts can be read below.

  • State Farm may include discounts for good student, anti-theft, good driver, defensive driving training, student away at school, and Drive Safe & Save.
  • Farmers Insurance offers discounts for multi-car, electronic funds transfer, switch companies, homeowner, youthful driver, and alternative fuel.
  • GEICO includes discounts for multi-vehicle, seat belt use, federal employee, anti-lock brakes, defensive driver, military active duty, and multi-policy.
  • American Family may offer discounts for early bird, Steer into Savings, good student, multi-vehicle, and TimeAway discount.
  • Nationwide may have discounts that include Farm Bureau membership, business or organization, easy pay, accident-free, family plan, defensive driving, and multi-policy.
  • Progressive has discounts for good student, homeowner, online quote discount, multi-policy, continuous coverage, multi-vehicle, and online signing.

If you need lower rates, check with each insurance company which credits you are entitled to. Some discounts may not apply to policies in your state.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • Is my state a no-fault state?
  • Am I covered if I wreck a rental car?
  • Does coverage extend to a rental car in a foreign country?
  • What is the rate difference between pleasure use and commuting?
  • What are the best liability limits?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

How you can control Dodge Spirit insurance premiums

Consumers need to have an understanding of some of the factors that aid in calculating the price you pay for insurance coverage. When consumers understand what determines premiums, this enables you to make decisions that could result in big savings.

The itemized list below are just a few of the factors utilized by car insurance companies to help set your rates.

  • Insurance coverage rates and your job – Careers like lawyers, executives and financial analysts tend to pay higher rates than the rest of us because of intense work situations and long work days. On the other hand, jobs like farmers, engineers and the unemployed get better rates on Spirit coverage.
  • Prevent your car from being stolen – Purchasing a vehicle with an alarm system can help bring down rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
  • How much liability protection – Liability insurance will afford coverage in the event that you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Frequent insurance claims increase premiums – If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies generally give discounts to people who do not file claims often. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Rural areas have lower rates – Living in a small town is a good thing when buying insurance coverage. Drivers who live in large cities have to deal with traffic congestion and more time behind the wheel. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Improve your credit rating – An insured’s credit rating is a large factor in your rate calculation. So if your credit history could use some work, you could pay less to insure your 1990 Dodge Spirit by repairing your credit. People with very high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit scores.
  • Older drivers pay less – Inexperience drivers are statistically proven to be easily distracted in a vehicle so insurance coverage rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and receive fewer citations.

Do you really save 40% when you switch?

Auto insurance providers like State Farm, Allstate and GEICO endlessly run television, radio, and online ads. They all make the same claim about savings if you just switch to them. How does each company claim to save you money? It’s all in the wording.

Insurance companies have specific criteria for the type of insured that will generate a profit. A good example of a desirable insured might be described as over the age of 45, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who matches that profile will get very good rates and have a good chance to save some money.

People who fall outside those criteria will be quoted a higher premium and ends up with the customer not buying. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how companies can truthfully claim big savings.

Different companies use different criteria so drivers should get as many free car insurance quotes as possible. It is just not possible to predict the company that will have better rates than you’re paying now.

Insurance coverage basics

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Dodge Spirit.

Due to the fact that many 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 should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for prosthetic devices, hospital visits and pain medications. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, vandalism and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance – This can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like attorney fees, funeral expenses, bail bonds, loss of income and emergency aid. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

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

Collision coverage protects against things like sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

In Summary

When trying to cut insurance costs, never reduce needed coverages to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Throughout this article, we presented quite a bit of information on how to shop for 1990 Dodge Spirit insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap car insurance. You may even find the lowest priced insurance coverage comes from a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Much more information about insurance coverage is located at these links: