1994 Dodge Stealth Insurance Rates

Trying to find lower insurance rates for your Dodge Stealth? Did a good deal turn into high-priced insurance? Don’t sweat it because there are many consumers feeling the pinch from expensive insurance.

Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive cheapest price

It is always a good idea to do rate comparisons quite often due to the fact that insurance prices tend to go up over time. Just because you found the lowest quotes for Stealth insurance six months ago there may be better deals available now. Don’t believe everything you read about insurance online, but in a few minutes you can learn the best ways to lower your insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Finding affordable coverage is not that difficult. Nevertheless, drivers should learn how big insurance companies market on the web.

Finding auto insurance

All the larger auto insurance companies give prices for coverage online. Getting online rates is fairly simple as you simply type in the coverage amounts you desire as detailed in the form. Upon sending the form, their quoting system automatically retrieves your driving and credit reports and gives you a price quote. Online price estimates makes it simple to compare prices but the time required to go to several different sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible in order to get the best price possible.

Quote rates the easy way

The smarter way to get multiple rate quotes is to use a quote form that gets price quotes from a lot of companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much simpler. After sending your information, it is rated and you can select any one of the returned quotes.

If you find a better price it’s easy to complete the application and purchase coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to compare rates using this form now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you type in your coverages just like they are on your policy. This helps ensure you’re receiving an apples-to-apples comparison using the same coverage and limits.

More discounts mean cheaper premiums

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but once in a while a discount must be inquired about prior to receiving the credit.

• Payment Method – By making one initial payment rather than paying monthly you could save 5% or more.
• Military Rewards – Being on active duty in the military may qualify for rate reductions.
• 55 and Retired – Older drivers are able to get lower premium rates for Stealth insurance.
• Defensive Driving Course – Participating in a course in safe driver could cut 5% off your bill and easily pay for the cost of the class.
• Professional Memberships – Joining a civic or occupational organization is a good way to get lower rates on your bill.
• Life Insurance – Select auto insurance companies reward you with a small discount if you purchase some life insurance too.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any amount of discount should help lower your premiums.

To view companies who offer online auto insurance quotes, follow this link.

It’s not one size fits all

When buying adequate coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether your personal situation will benefit from professional help.

• Should I get collision insurance on every vehicle?
• What should my uninsured motorist coverage limits be in my state?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need roadside assistance coverage?
• Can I get a multi-policy discount?
• Will I lose any money if I cancel my policy before it expires?
• How high should deductibles be on a 1994 Dodge Stealth?
• Is a fancy paint job covered?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Learn about insurance coverages for a 1994 Dodge Stealth

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like prosthetic devices, dental work and funeral costs. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Dodge Stealth.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Auto liability

Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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 limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, vandalism, hitting a deer and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This will pay to fix damage to your Stealth from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.