1991 Dodge Colt Insurance Quotes – 8 Ideas for Best Rates

Want cheaper car insurance rates for your Dodge Colt? Nobody I know enjoys paying for car insurance, especially when their premiums are through the roof. You have so many insurers to pick from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare rates.

You should take the time to take a look at other company’s rates on a regular basis since rates change frequently. Despite the fact that you may have had the best deal for Colt coverage two years ago you can probably find a lower rate today. There is too much inaccurate information about car insurance on the internet, so I’m going to show you the best ways to buy car insurance cheaper.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked for prior to receiving the credit. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.
  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Colt coverage than drivers with accidents.
  • Organization Discounts – Participating in a professional or civic organization could trigger savings on your policy for Colt coverage.
  • Accident Forgiveness – A few companies will forgive one accident before your rates go up if your claims history is clear for a certain period of time.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Drivers Education – Have your child successfully complete driver’s ed class in school.
  • Accident Free – Good drivers with no accidents pay less compared to bad drivers.

It’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

For a list of insurance companies with discount car insurance rates, click here to view.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What happens if I owe more than my 1991 Dodge Colt is worth?
  • Is pleasure use cheaper than using my 1991 Dodge Colt to commute?
  • How can I get high-risk coverage after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Collision insurance

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

Collision coverage protects against things such as colliding with a tree, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like bail bonds, loss of income, medical services, attorney fees and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for prosthetic devices, dental work, nursing services, EMT expenses and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people 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 your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding, hail damage and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

One last thing

Cheap 1991 Dodge Colt insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many cases where an insured dropped liability coverage limits and learned later that it was a big error on their part. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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