1992 Dodge Stealth Car Insurance Rates – 7 Ways to Save

Searching for the cheapest insurance coverage rates for your Dodge Stealth? Finding low cost insurance coverage might be very difficult for drivers not familiar with buying insurance online. With such a large number of companies in the marketplace, it can quickly become a difficult situation to find the lowest price.

Which insurance is cheapest?

There are a lot of ways to compare insurance prices but some are less time-consuming than others. You can spend countless hours talking to local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.

Most major companies enroll in a system that enables customers to submit one quote, and at least one company can provide price quotes based on that data. This eliminates the need for quote requests for each company.

To participate in this free quote system, click here to open in new window.

The single downside to getting quotes like this is you can’t choose which companies to receive prices from. So if you prefer to choose individual companies to receive pricing from, we put together a list of companies who write insurance in your area. Click to view list.

It doesn’t matter which method you choose, just be sure to compare identical coverage limits and deductibles for each quote you get. If your comparisons have mixed coverages you can’t possibly determine which company has the best rates. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes will increase your chances of finding more affordable rates. Not every company allows you to get quotes online, so it’s important to also get rates from them as well.

Switch companies and save? Really?

GEICO, State Farm and Progressive consistently run television, radio, and online ads. They all advertise the message about saving some big amount if you move to them. How is it possible that every company can offer you a better deal? It’s all in how they say it.

All the different companies can use profiling for the driver they prefer to insure. For instance, a preferred risk could possibly be between 25 and 40, has a clean driving record, and has great credit. A propective insured that meets those criteria will get the preferred premium rates as well as save when switching.

Consumers who are not a match for those criteria will be charged higher premium rates and this can result in the customer not buying. The wording the ads use say “people who switch” not “all people who quote” save that kind of money. This is how insurance companies can make the claims of big savings.

Because of this risk profiling, drivers must compare rate quotes every year. It is impossible to guess which auto insurance company will have the lowest rate quotes.

Verify you’re getting every discount

Car insurance companies don’t always publicize every discount they offer in a way that’s easy to find, so the following list contains a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Accident Waiver – but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear prior to the accident.
  • Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
  • Professional Organizations – Belonging to certain professional organizations is a good way to get lower rates on insurance coverage.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
  • Discount for Multiple Policies – If you combine your homeowners and auto policies and place coverage with the same company you could get a discount of up to 20% and get you cheap car insurance.
  • Sign Online – Certain larger companies will give a small break just for signing your application on your computer.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. Even though it appears you can get free auto insurance, insurance coverage companies aren’t that generous.

A list of insurance coverage companies and some of the discounts can be found below.

  • Progressive policyholders can earn discounts including homeowner, multi-vehicle, good student, online signing, multi-policy, and continuous coverage.
  • The Hartford may have discounts that include driver training, defensive driver, good student, air bag, and anti-theft.
  • Mercury Insurance may include discounts for ease of repair, good driver, good student, annual mileage, type of vehicle, age of vehicle, and anti-theft.
  • GEICO offers discounts for anti-lock brakes, air bags, daytime running lights, military active duty, multi-vehicle, good student, and emergency military deployment.
  • AAA may offer discounts for pay-in-full, multi-car, good driver, anti-theft, and AAA membership discount.
  • State Farm discounts include accident-free, passive restraint, safe vehicle, student away at school, Steer Clear safe driver discount, Drive Safe & Save, and defensive driving training.

Check with each insurance company how you can save money. Some of the discounts discussed earlier might not be offered in your area. To locate companies that provide some of the discounts listed above, follow this link.

When should I discuss my situation with an agent?

When buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • If my pet gets injured in an accident are they covered?
  • How many claims can I have before being cancelled?
  • Am I better off with higher deductibles on my 1992 Dodge Stealth?
  • Can my teen drive my company car?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Learn about insurance coverages for a Dodge Stealth

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, a broken windshield, hitting a deer, damage from a tornado or hurricane and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, rolling your car, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1992 Dodge Stealth.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage – This provides protection from damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like legal defense fees, structural damage, attorney fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for nursing services, surgery and pain medications. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Save for a rainy day

People switch companies for many reasons like being labeled a high risk driver, poor customer service, high rates after DUI convictions and even policy non-renewal. It doesn’t matter why you want to switch finding the right insurance provider can be pretty painless.

In this article, we presented a lot of tips how to get a better price on 1992 Dodge Stealth insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheap car insurance. Drivers may discover the biggest savings come from some of the lesser-known companies.

Some companies may not provide rates over the internet smaller providers only sell through independent agencies. Lower-priced 1992 Dodge Stealth insurance can be sourced from both online companies in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money.

Additional information can be found at the links below