1994 Dodge Shadow Insurance Rates

Locating low-cost insurance for your Dodge Shadow can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the quickest way to compare rates for a Dodge and find the best price possible either online or from local insurance agents.

Cheapest insurance coverage rate quotes

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace where insurance shoppers submit their information once, and each participating company provides a quote based on that data. This eliminates the need for form submissions to every company.

To use this form to compare rates click here to start a free quote.

The one downside to using this type of system is that you can’t choose the insurers you want to price. So if you want to select specific insurance companies to compare prices, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

The approach you take is up to you, just ensure you’re using the exact same coverage information for every company. If the quotes have mixed coverages it will be next to impossible to find the best deal for your Dodge Shadow.

What insurance coverages do I need?

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

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

  • Is my state a no-fault state?
  • Am I covered if I hit a deer?
  • When should I remove comp and collision on my 1994 Dodge Shadow?
  • What should my uninsured motorist coverage limits be in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need replacement cost coverage?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage – Collision coverage pays for damage to your Shadow resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, hitting a deer and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for dental work, nursing services, prosthetic devices and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Dodge Shadow.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.