How Much Does 1995 Dodge Stealth Car Insurance Cost?

Searching for the cheapest insurance for a Dodge Stealth can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to compare insurance rates so we’re going to tell you the quickest way to price shop coverage on a Dodge and get the lowest possible price from both online companies and local agents.

Affordable insurance coverage quotes with discounts

Buying insurance coverage is not cheap, but there are discounts available to cut the cost considerably. Certain reductions will be credited at the time of quoting, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Low Mileage – Maintaining low annual mileage may allow you to get better premium rates on cars that stay parked.
  • Pay Early and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Buy New and Save – Putting insurance on a new car may earn a small discount because newer models have to meet stringent safety requirements.
  • Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
  • Online Discount – Some insurance companies will give a small break shop car insurance on your computer.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So even though you would think you could get a free insurance coverage policy, it just doesn’t work that way.

A few popular companies and their possible discounts are shown below.

  • GEICO has discounts for emergency military deployment, anti-lock brakes, defensive driver, federal employee, membership and employees, and seat belt use.
  • Travelers may include discounts for driver training, hybrid/electric vehicle, multi-policy, early quote, and IntelliDrive.
  • Farm Bureau offers discounts for multi-vehicle, multi-policy, 55 and retired, safe driver, youthful driver, driver training, and renewal discount.
  • Liberty Mutual offers premium reductions for multi-policy, teen driver discount, safety features, new graduate, hybrid vehicle, and exclusive group savings.
  • American Family has savings for bundled insurance, multi-vehicle, air bags, Steer into Savings, defensive driver, early bird, and accident-free.
  • Progressive discounts include multi-vehicle, multi-policy, homeowner, good student, continuous coverage, online signing, and online quote discount.

If you want inexpensive car insurance quotes, ask every company which discounts you may be entitled to. All car insurance discounts may not be offered in every state. To see a list of companies that offer discounts, click here.

Finding auto insurance

Effectively comparing auto insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Most major companies enroll in a system where insurance shoppers enter their coverage request one time, and at least one company returns a rated price for coverage. This eliminates the need for repetitive form submissions for every auto insurance company.

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

The one downside to using this type of form is you cannot specify which providers to get quotes from. If you prefer to choose specific providers to compare rates, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just try to keep the exact same quote information for each quote you get. If you enter differing limits it will be very difficult to determine the lowest rate for your Dodge Stealth.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Is a blown tire covered by insurance?
  • Should I waive the damage coverage when renting a car?
  • Should I rate my 1995 Dodge Stealth as pleasure use or commute?
  • Is there coverage for injuries to my pets?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Parts of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverages

This will cover injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, medical expenses, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like EMT expenses, rehabilitation expenses, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, a tree branch falling on your vehicle, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, driving through your garage door, colliding with a tree and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Pennies from heaven

People change insurance companies for many reasons like extreme rates for teen drivers, denial of a claim, lack of trust in their agent or even policy non-renewal. No matter why you want to switch, finding a great new company is not as hard as you think.

We just showed you a lot of techniques to compare 1995 Dodge Stealth insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest car insurance rates are with an unexpected company.

When trying to cut insurance costs, do not buy poor coverage just to save money. Too many times, someone dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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