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Dodge Colt Insurance Cost

Comparing auto insurance online can be fast and easy, in addition you can save money. The most important part is getting rates from all companies so you can compare all possible prices.

If you've never shopped for auto insurance online, you may be confused by the hoards of companies offering insurance. Finding cheaper coverage prices is not rocket science. All you need to do is take the time getting comparison quotes provided by online insurance companies. This can be done by visiting this page.

Criteria which help determine Dodge insurance rates

Car insurance premiums on a Dodge Colt can be significantly different depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Male rates may be higher
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your claim history
  • Having current coverage saves
  • Owning a home can lower rates

An additional factor that can impact Colt insurance cost is the year of the vehicle. A newer vehicle have a higher value than older models so the cost to replace them may end up costing you more. On the flip side, newer vehicles may have safety features like forward-collision avoidance, sideview assist mirrors, and all-wheel drive that may help provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability coverage

This coverage can cover injuries or damage you cause to people or other property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision protection

This coverage covers damage to your Dodge resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Colt can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper Colt insurance cost.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.

How Much are Dodge Colt Insurance Rates?