Save on 1993 Dodge Spirit Insurance Quotes

Looking for cheaper auto insurance rates? Shoppers have lots of choices when shopping for affordable Dodge Spirit insurance. They can either waste time calling around to get rate comparisons or save time using the internet to compare rates.

There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to quote coverages on a Dodge and locate the best price possible.

Comprehensive Car Insurance Comparison

Finding cheaper 1993 Dodge Spirit car insurance prices is not rocket science. All you need to do is invest a little time comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

• The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating boring form submissions to each individual car insurance company. Just one form gets rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
• A slightly less efficient method to compare prices is spending the time to visit the website of each company to request a price quote. For examples sake, let’s say you want comparison quotes from Liberty Mutual, Allstate and American Family. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but ensure you’re using exactly the same deductibles and coverage limits for each price quote. If your comparisons have mixed coverages it will be impossible to truly determine the lowest rate.

But I don’t know anything about car insurance

When choosing the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight if your situation will benefit from professional help.

• Should I carry comprehensive and collision coverage?
• Should I buy additional glass protection?
• What if I total my 1993 Dodge Spirit and owe more than it’s worth?
• What discounts do I qualify for?
• Is my trailer covered?
• Am I covered if my car is in a flood?
• How can I force my company to pay a claim?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, fire damage, damage from flooding and a broken windshield. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, funeral costs, X-ray expenses, dental work and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance

This coverage can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your Spirit from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, backing into a parked car, hitting a parking meter, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Spirit.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.