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.
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.
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.
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.
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.
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.
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.
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.
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: