Compare 1994 Dodge Spirit Insurance Quotes

Trying to find cheaper insurance rates for your Dodge Spirit? Nobody enjoys paying for insurance, especially knowing the prices are way too high. Big-name insurance companies like GEICO and Progressive constantly blast consumers with catchy ads and consumers find it hard to sift through the bull and find the best price available.

Compare quotes for insurance coverage

There are a lot of ways you can shop for insurance coverage but one way is easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

The majority of car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company then gives them pricing for coverage. This saves time by eliminating quotation requests for each company.

To use this form to compare rates click to open in new window.

One minor caviat to using this type of form is buyers cannot specifically choose which companies you will receive quotes from. So if you want to choose specific insurance companies to receive pricing from, we have a listing of companies who write insurance coverage in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just make darn sure you compare nearly identical quote data with every price quote. If each company quotes mixed coverages you will not be able to determine the lowest rate for your Dodge Spirit.

Four things that impact your insurance premiums

Lots of factors are used when you get a price on insurance. Some are obvious such as traffic violations, but other criteria are more obscure like where you live or how safe your car is.

The itemized list below are some of the most rate-impacting factors used by your company to calculate prices.

  • Premiums also based on gender – The statistics show women are more cautious behind the wheel. However, don’t assume that females are better drivers. Both sexes cause fender benders in similar percentages, but guys get into accidents with more damage. Not only are claims higher, but men receive more major tickets such as reckless driving. Young males cause the most accidents and therefore are the most expensive to insure.
  • Youthful drivers cost more – Older people have been proven to be more responsible, cost insurance companies less in claims , and are generally more financially stable.Beginning drivers are known to be inattentive with other occupants in the car so car insurance rates are higher.
  • Job can influence rates – Occupations like real estate brokers, social workers and dentists are shown to have higher average rates in part from intense work-related stress and long work days. Conversely, professions such as scientists, engineers and retirees have the lowest average rates on Spirit coverage.
  • Lower rates for being claim-free – Companies award most affordable rates to drivers who only file infrequent claims. If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Your car insurance is intended for more catestrophic claims.

Do you qualify for discount auto insurance?

Some insurers don’t always list their entire list of discounts very clearly, so the list below details both well-publicized as well as the least known credits available to lower your premiums when you buy car insurance online.

  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Memberships – Being in qualifying clubs or civic groups could qualify you for a break when shopping for auto insurance.
  • Student Discount for Driver Training – 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.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.
  • Senior Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates on Spirit coverage.
  • Include Life Insurance and Save – Not all auto insurance companies offer life insurance, but some may give you a discount if you purchase a life policy as well.
  • Telematics Data – Insureds that choose to allow driving data submission to look at their driving habits remotely such as State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get lower prices on the low mileage vehicles.
  • Buy New and Save – Buying a new car model can save you some money compared to insuring an older model.

You can save money using discounts, but most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears you can get free auto insurance, it just doesn’t work that way.

Popular auto insurance companies and some of their more popular discounts are outlined below.

  • Travelers discounts include save driver, payment discounts, hybrid/electric vehicle, good student, new car, and home ownership.
  • 21st Century offers premium reductions for theft prevention, teen driver, anti-lock brakes, student driver, defensive driver, automatic seat belts, and good student.
  • State Farm offers discounts for student away at school, good student, accident-free, Drive Safe & Save, safe vehicle, and Steer Clear safe driver discount.
  • GEICO may have discounts that include anti-lock brakes, military active duty, good student, multi-vehicle, driver training, and membership and employees.
  • SAFECO has discounts for multi-car, anti-theft, bundle discounts, accident prevention training, and safe driver.
  • AAA includes discounts for good student, anti-theft, AAA membership discount, multi-policy, and multi-car.

When getting free car insurance quotes, it’s a good idea to all the companies how many discounts you can get. A few discounts may not apply to policyholders in your area. To view auto insurance companies with the best discounts, follow this link.

What insurance coverages do I need?

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether your personal situation may require specific advice.

  • Should I buy additional glass protection?
  • Why am I required to get a high-risk car insurance policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I missing any policy discounts?
  • Is rental equipment covered for theft or damage?
  • Am I better off with higher deductibles on my 1994 Dodge Spirit?
  • How much liability do I need to cover my assets?
  • How much underlying liability do I need for an umbrella policy?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like chiropractic care, ambulance fees and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, repair costs for stationary objects, emergency aid, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a bird, damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage covers damage to your Spirit resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

The bottom line

Lower-priced 1994 Dodge Spirit insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not provide internet price quotes and many times these regional insurance providers provide coverage only through independent insurance agencies.

We just covered a lot of tips how to shop for 1994 Dodge Spirit insurance online. The key thing to remember is the more companies you get prices for, the higher your chance of finding the cheapest car insurance. Consumers could even find that the biggest savings come from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

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