1993 Dodge Colt Insurance Cost – 9 Ideas for Cheapest Prices

Trying to find cheaper insurance rates for your Dodge Colt? Nobody that owns a car likes paying for insurance, especially when they are paying too much. There are many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to adequately compare rates.

Finding affordable coverage is not rocket science. If you have a policy now or need new coverage, you can use these techniques to find the best rates and possibly find even better coverage. Drivers just need to know the tricks to shop online.

Lower rate quotes with these nine discounts

Companies offering auto insurance don’t always list every discount they offer in an easy-to-find place, so here is a list a few of the more well known and the more hidden savings tricks you should be using when you buy auto insurance online. If you check and find you aren’t receiving every discount possible, you are throwing money away.

  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like GEICO, State Farm, and Progressive will let one accident slide before they charge you more for coverage if you have no claims before the accident.
  • Homeowners Savings – Owning a house may trigger a policy discount on insurance coverage since owning and maintaining a home is proof of financial responsibility.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
  • Active Service Discounts – Having an actively deployed family member could qualify you for better insurance coverage rates.
  • Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Switch and Save Discount – Some insurance companies provide a discount for switching policies before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Telematics Devices – Policyholders that allow their insurance company to scrutinize their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
  • Life Insurance – Larger insurance companies have a discounted insurance coverage rate on car insurance if you buy life insurance from them.
  • Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease on Colt coverage depending on your insurance coverage provider.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, you aren’t that lucky. But any discount will definitely reduce your premiums.

The best insurance coverage companies and their possible discounts can be found below.

  • State Farm may include discounts for multiple autos, good student, Steer Clear safe driver discount, multiple policy, passive restraint, and defensive driving training.
  • Farmers Insurance offers discounts including business and professional, alternative fuel, electronic funds transfer, pay in full, good student, and homeowner.
  • Progressive offers premium reductions for online signing, multi-vehicle, homeowner, continuous coverage, online quote discount, and multi-policy.
  • GEICO may offer discounts for membership and employees, federal employee, air bags, five-year accident-free, and defensive driver.
  • Auto-Owners Insurance offers discounts for student away at school, group or association, company car, good student, paid in full, mature driver, and paperless.
  • The Hartford may have discounts that include defensive driver, air bag, driver training, vehicle fuel type, bundle, anti-theft, and good student.
  • Farm Bureau has savings for renewal discount, 55 and retired, safe driver, multi-vehicle, multi-policy, youthful driver, and driver training.
  • USAA has discounts for good student, vehicle storage, safe driver, driver training, and annual mileage.

If you need lower rates, check with each company or agent to apply every possible discount. All car insurance discounts may not be offered in your area.

The easiest way to compare insurance rates in your area utilizes the fact almost all companies have advanced systems to give you rate quotes. To start a quote, the only thing you need to do is provide details like if you went to college, what you do for a living, if you have a valid license, and whether you are married. Your insurance information is then submitted to many different companies and you will receive price estimates almost instantly.

To find lower rates now, click here and enter the information requested.

What is the best auto insurance coverage?

When it comes to choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your situation may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • What is an SR-22 filing?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are my friends covered when driving my car?
  • When should I drop full coverage on my 1993 Dodge Colt?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does liability extend to a camper or trailer?
  • Do I benefit by insuring my home with the same company?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for dental work, hospital visits, ambulance fees and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance

This can cover damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, funeral expenses, legal defense fees, repair costs for stationary objects and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle, fire damage and hail damage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Don’t be a big spender

Cheap 1993 Dodge Colt insurance is definitely available from both online companies as well as from independent agents, so you need to shop auto insurance with both so you have a total pricing picture. A few companies may not provide rates over the internet and most of the time these regional carriers sell through independent insurance agencies.

When searching for the cheapest auto insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

We just covered some good ideas how to compare 1993 Dodge Colt insurance rates online. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the lowest rates are with some of the smallest insurance companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

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