How Much Does 1991 Dodge Stealth Insurance Cost?

Buyers have options when searching for the lowest priced Dodge Stealth insurance. They can either spend hours driving around to compare prices or leverage the internet to find the lowest rates.

There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for your Dodge and get the lowest price from local insurance agents and online providers.

It is always a good idea to get comparison quotes occasionally due to the fact that insurance prices change regularly. Just because you found the best rates on Stealth insurance a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to find out the quickest way to reduce your cost while improving coverage.

If you are insured now or need new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. The purpose of this post is to let you in on how to get online quotes and some tips to save money. Drivers just need to understand how to compare price quotes over the internet.

Buy insurance online

There are a lot of ways you can shop for insurance but some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could use the internet to maximize your effort.

Many of the larger companies enroll in a system where prospective buyers enter their policy data once, and each company can provide price quotes. This eliminates the need for form submissions for every insurance company.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to comparing rates this way is you cannot specify the providers you will receive quotes from. So if you want to choose specific providers to receive pricing from, we have a page of insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but be sure to compare nearly identical coverage limits on every price quote you get. If you compare different liability limits it will be nearly impossible to make an equal comparison.

Do you qualify for discounts?

Insuring your fleet can be pricey, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be asked for before they will apply.

  • Passive Restraint Discount – Options like air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Homeowners Discount – Simply owning a home may trigger a policy discount on car insurance because of the fact that having a home requires a higher level of personal finance.
  • Defensive Driver – Taking time to complete a class that teaches defensive driver techniques is a good idea and can lower rates if your company offers it.
  • Professional Organizations – Participating in a qualifying organization could trigger savings when getting a insurance quote.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • Resident Student – Youth drivers who are attending college and don’t have a car could get you a discount.
  • Sign Online – Some larger companies will provide an incentive get insurance on your computer.
  • Military Rewards – Having a family member in the military may lower your prices slightly.

Just know that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

To choose insurance companies that offer some of these discounts, click here to view.

Why your insurance premiums might be higher

Multiple criteria are used in the calculation when quoting car insurance. Some are obvious such as your driving history, but others are more obscure such as whether you are married or your commute time.

  • Annual mileage and car insurance premiums – The higher the mileage driven each year the more you’ll pay to insure it. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Verify your vehicle rating correctly shows how each vehicle is driven. A policy that improperly rates your Stealth may be costing you higher rates.
  • Insurance companies don’t like frequent auto insurance claims – Companies give the best rates to drivers who file claims infrequently. If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Your car insurance is intended for claims that pose a financial burden.
  • Increase physical damage deductibles and save – Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your Dodge. Some examples of covered claims would be a dented fender, collision with an animal, and burglary. Comprehensive and collision coverage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the lower your rates will be on Stealth insurance.
  • Cars with good safety ratings cost less to insure – Safe vehicles cost less to insure. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
  • Premiums are affected by your address – Residing in less populated areas is a good thing when shopping for auto insurance. Fewer drivers on the road means reduced accidents in addition to lower liability claims People who live in big cities tend to have more aggressive driving styles and higher rates of accident claims. The longer drive time statistically corresponds to a higher accident and claim rate.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions might help in determining if you would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • Who is covered when they drive my 1991 Dodge Stealth?
  • Does my medical payments coverage pay my health insurance deductible?
  • If I drive on a suspended license am I covered?
  • Am I missing any policy discounts?
  • When should I drop full coverage on my 1991 Dodge Stealth?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, doctor visits, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision protection

Collision insurance covers damage to your Stealth resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Dodge Stealth.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a tree branch falling on your vehicle, vandalism, a broken windshield and theft. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Money doesn’t grow on trees

Insureds switch companies for any number of reasons including denial of a claim, high rates after DUI convictions, high prices and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.

Lower-priced 1991 Dodge Stealth insurance is possible online and from local agencies, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and these smaller providers only sell coverage through independent agencies.

We covered a lot of information how to reduce 1991 Dodge Stealth insurance premium rates online. It’s most important to understand that the more you quote insurance, the better likelihood of getting affordable insurance. Consumers could even find that the lowest premium rates come from a small mutual company.

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