How Much Does 1991 Dodge Spirit Car Insurance Cost?

No car owner looks forward to paying premiums for auto insurance, especially when they could find lower prices if they just compared rates. You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, it makes it harder to compare company pricing.

Pricing the best car insurance is not that difficult. If you have a current car insurance policy or need new coverage, you can use these techniques to shop for the lowest rates and still get good coverage. Vehicle owners only need to know the most effective way to find the lowest price online.

Which auto insurance is cheapest?

Finding a lower price on 1991 Dodge Spirit insurance doesn’t have to be difficult. The only thing you need to do is take a few minutes comparing price quotes to find out which insurance company has the cheapest auto insurance quotes. This can be accomplished by following the guidelines below.

  • The recommended way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating a different quote for every prospective company. In just a few minutes this one form gets you price quotes from many national carriers.
  • A less efficient way to compare prices consists of visiting the website of each company and get a separate price quote. For instance, let’s assume you want to get rates from Nationwide, Allstate and Travelers. In order to compare rates, you need to spend time going to each site individually to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.
  • The last way to price shop rates is calling or driving to insurance agents’ offices. Doing it all online eliminates this option unless you prefer the trained guidance that only an agent can give. If you prefer, some companies allow you to get the lowest quotes online and get advice from an agent in your area.

Take whichever approach you prefer, but ensure you’re using equivalent quote information for every company. If you enter different limits and deductibles on each one it will be impossible to get a fair rate comparison.

These discounts can slash insurance coverage rates

Some insurers don’t always publicize every discount they offer in an easy-to-find place, so we took the time to find both the well known and the harder-to-find credits available to bring down your rates.

  • Theft Deterent – Cars optioned with advanced anti-theft systems help deter theft and earn discounts up to 10% off your auto insurance quote.
  • Homeowners Discount – Owning a house may trigger a policy discount on insurance coverage because owning a home means you have a higher level of financial diligence.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
  • Senior Citizens – Drivers over the age of 55 can get lower premium rates for Spirit coverage.
  • Driver Training Discounts – Taking part in a course teaching safe driver skills could earn you a small percentage discount and also improve your driving technique.
  • E-sign Discounts – A few larger online companies will give you a small discount just for signing your application on the web.
  • Early Signing – Some larger companies give discounts for buying a policy early. Ten percent is about the average savings.
  • Onboard Data Collection – People who choose to allow driving data submission to track driving manner by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.

It’s important to understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut the cost of your policy.

If you would like to view insurance companies that have a full spectrum of discounts, follow this link.

Components of your Dodge Spirit insurance prices

Many things are used in the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, although others are more obscure like your continuous coverage or how financially stable you are.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that are used to determine the price you pay for auto insurance. If you know what determines base rates, this allows you to make educated decisions that could help you find lower premium levels.

The itemized list below are a few of the “ingredients” that factor into your rates.

  • Bump up comp and collision deductibles to lower rates – Coverage for physical damage, also called ‘full coverage’, insures against damage to your Dodge. Some examples of claims that would be covered are a dented fender, hitting a deer, and windstorm damage. Deductibles for physical damage state the amount of money you are willing to pay before your auto insurance pays a claim. The larger the amount you’re willing to pay, the lower your rates will be for Spirit coverage.
  • Higher auto insurance rates for specific vocations – Did you know your occupation can influence how much you pay for auto insurance? Jobs like real estate brokersairline pilots and emergency personnel are shown to have the highest average rates attributed to high stress and incredibly demanding work hours. Conversely, careers such as professors, athletes and retirees generally pay rates lower than average for Spirit coverage.
  • Discounts for theft deterrents – Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.
  • Only buy coverage you need – There are a ton of optional add-on coverages that can waste your money if you aren’t careful. Coverage for things like rental car coverage, towing coverage, and motor club memberships are probably not needed. You may think they are a good idea initially, but if you have no use for them remove them and pocket the money.
  • How much liability protection – Liability insurance will afford coverage if ever a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Premiums and your address – Choosing to live in a small town has definite advantages if you are looking for the lowest rates. Less people living in that area means fewer accidents in addition to fewer liability claims. Urban drivers have more road rage incidents and higher rates of accident claims. Longer commute distances means a statistically higher chance of an accident.

When do I need an agent’s advice?

When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions can aid in determining if you might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • Am I covered when using my vehicle for business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I get collision insurance on every vehicle?
  • Do I need higher collision deductibles?
  • Should I drop comprehensive coverage on older vehicles?
  • How high should my medical payments coverage be?
  • Is my custom paint covered by insurance?
  • Is pleasure use cheaper than using my 1991 Dodge Spirit to commute?
  • Does my 1991 Dodge Spirit need full coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as X-ray expenses, prosthetic devices, hospital visits and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Dodge Spirit.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Liability

Liability coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like structural damage, bail bonds, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Spirit from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

In conclusion

Budget-conscious 1991 Dodge Spirit insurance is attainable from both online companies in addition to local insurance agencies, so get free auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not provide rates over the internet and many times these small, regional companies provide coverage only through independent agents.

When searching for inexpensive auto insurance quotes, make sure you don’t buy poor coverage just to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big mistake. Your objective should be to find the BEST coverage at the best price, not the least amount of coverage.

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