Lower Your 1993 Dodge Colt Insurance Quotes

Buying low-cost auto insurance on the internet can seem to be problematic for consumers not familiar with shopping for insurance online. Since there are so many companies in the marketplace, how can drivers possibly compare the different rates to find the best available price?

It’s a good habit to get comparison quotes periodically since insurance rates go up and down regularly. Even if you got the lowest price on Colt coverage two years ago there may be better deals available now. You can find a lot of wrong information about auto insurance online, so with this article, you’re going to get a lot of great tips on how to reduce your auto insurance bill.

The fastest way that we advise to compare car insurance rates is to know the trick almost all companies will pay a fee to give rate comparisons. The only thing you need to do is give them rating details including how old drivers are, your general credit rating, the make and model of your vehicles, and what your job is. Your insurance information is then submitted to all major companies and they provide comparison quotes with very little delay.

Insurance coverage ads bend the truth

Insurance coverage companies such as State Farm, Allstate and GEICO consistently run ads on TV and radio. They all seem to say the same thing about savings if you change your policy. How can each company make almost identical claims?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and has a short commute. Any driver who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet these standards will be charged a more expensive rate and ends up with business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can advertise the way they do. That is why you need to get as many comparisons as possible. It’s just too difficult to predict which insurance coverage company will give you the biggest savings on Dodge Colt insurance.

How to reduce Dodge Colt insurance rates

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using.

  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Colt coverage than their less cautious counterparts.
  • Own a Home – Owning a house can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Military Discounts – Being on active duty in the military could mean lower rates.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies that may offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not be available everywhere.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

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

  • What are the financial responsibility laws in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Is my custom paint covered by insurance?
  • What is high-risk coverage and where do I buy it?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should deductibles be on a 1993 Dodge Colt?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage breakdown

Having a good grasp of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, damage from flooding, falling objects, hitting a deer and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, medical services, loss of income and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, rehabilitation expenses, funeral costs and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Colt.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage will pay to fix damage to your Colt caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Shop Smart and Save

Throughout this article, we presented some good ideas how you can lower your 1993 Dodge Colt insurance rates. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even find the best prices are with some of the smallest insurance companies.

Consumers leave their current company for many reasons like poor customer service, not issuing a premium refund, being labeled a high risk driver and unfair underwriting practices. Whatever your reason, switching car insurance companies can be less work than you think.

When you buy insurance online, you should never buy less coverage just to save a little money. In many instances, an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your aim should be to buy enough coverage for the lowest price while still protecting your assets.

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