How Much Does 1993 Dodge Spirit Insurance Cost?

Searching for better insurance coverage rates for your Dodge Spirit? Trying to come up with a payment for pricey insurance coverage can draw down your savings account and make it tough to pay other bills. Doing a price comparison is recommended to slash your bill and have more diposable income.

There are many insurers to pick from, and although it’s nice to have multiple companies, it makes it harder to compare company pricing.

Dodge Spirit insurance rate factors

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for insurance coverage. If you have some idea of what influences your rates, this allows you to make educated decisions that will entitle you to better insurance coverage rates. Many things are considered when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are more obscure such as your credit history or your financial responsibility.

  • Insurance rates in urban areas – Having an address in less populated areas is a positive aspect when it comes to insurance coverage. Urban drivers tend to have more aggressive driving styles and longer commutes to work. Fewer drivers on the road means reduced accidents in addition to lower liability claims
  • With age comes responsibility – Young drivers are proven to be more careless in a vehicle and because of this, their insurance coverage rates are much higher. Having to add a teenage driver to your policy can be quite pricey. Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims and receive fewer citations.
  • Policy add-ons may be wasting money – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying if you aren’t diligent. Coverage for things like vanishing deductibles, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment when deciding what coverages you need, but now you might not need them so eliminate them to save money.
  • Vehicles with better crash test results cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Dodge Spirit earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Drive less and pay lower prices – The higher the mileage driven each year the more it will cost to insure it. Most companies calculate prices based on how the vehicle is used. Vehicles not used for work or commuting cost less to insure than vehicles that are driven to work every day. It’s a good idea to make sure your declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your Spirit can result in significantly higher rates.
  • Tickets will cost you – Careful drivers get better prices as compared to those with violations. Even a single citation can bump up the cost by as much as twenty percent. People who have serious violations like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive.

Discounts for lower-cost car insurance rates

Car insurance companies do not list all possible discounts very clearly, so the list below details a few of the more well known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Multi-policy Discount – If you combine your home and auto policies and insure them with the same company you could get a discount of up to 20% and get you inexpensive auto insurance.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Switch and Save Discount – Some car insurance companies give discounts for renewing your policy before your current coverage expires. It could save around 10% when you buy auto insurance online.
  • Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations could trigger savings when shopping for car insurance.
  • Accident Forgiveness – but a few companies such as Progressive, Allstate, and GEICO will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
  • Resident Student – Kids who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Military Rewards – Having a deployed family member could mean lower premium rates.
  • Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you may reduce your total bill.

You can save money using discounts, but many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.

A few popular companies and some of their more popular discounts can be found below.

  • Farmers Insurance discounts include multi-car, homeowner, alternative fuel, distant student, and youthful driver.
  • State Farm may include discounts for good student, multiple autos, passive restraint, accident-free, defensive driving training, Drive Safe & Save, and multiple policy.
  • Liberty Mutual may offer discounts for good student, preferred payment discount, newly retired, exclusive group savings, new vehicle discount, multi-car, and newly married.
  • MetLife may have discounts that include claim-free, good student, defensive driver, good driver, multi-policy, and accident-free.
  • Progressive offers discounts for good student, continuous coverage, multi-policy, online signing, and online quote discount.

Check with every company what discounts are available to you. Some of the discounts discussed earlier may not be available in every state. For a list of companies who offer free car insurance quotes, follow this link.

You may need specialized insurance coverage coverage

When buying coverage, there is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Exactly who is provided coverage by my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Should I have a commercial auto policy?
  • Does my insurance cover a custom paint job?
  • Am I covered if I crash into my own garage door?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Detailed coverages of your insurance policy

Knowing the specifics of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Liability insurance

This coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, repair bills for other people’s vehicles, loss of income, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance 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 can pay for claims like hail damage, hitting a bird, a tree branch falling on your vehicle and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This pays for damage to your Spirit resulting from a collision 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 claims such as crashing into a ditch, sustaining damage from a pot hole, rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills like pain medications, funeral costs, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Spirit.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Final thoughts

The cheapest 1993 Dodge Spirit insurance is available both online as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide online rate quotes and usually these regional carriers sell through independent agents.

While you’re price shopping online, never skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

Additional insurance information is located on the following sites: