1995 Dodge Stealth Car Insurance Cost

Want cheaper insurance rates for your Dodge Stealth? No one in their right mind looks forward to paying for insurance, particularly when the cost is too high. Many insurers vie for your business, and because of this it can be hard to compare insurance companies and get the definite lowest rate

Consumers should take time to do rate comparisons on a regular basis due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest price for Stealth coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

If you are insured now or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the proper way to compare rates over the internet.

Auto Insurance Quote Comparison

Cutting your auto insurance rates is a fairly straight forward process. Consumers just need to take a few minutes to compare rate quotes online from several insurance companies. This can be accomplished in several different ways.

  • The single most time-saving way to find low rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate forms for every auto insurance company. A single, simple form will return quotes from all major companies.
  • Another way to compare prices is spending the time to visit each company’s website to request a price quote. For example, we’ll assume you want to compare Liberty Mutual, Safeco and Travelers. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  • The most time-consuming method of getting rate comparisons is driving around to local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the professional guidance only provided by licensed agents. It is possible to comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

Which method you use is up to you, but make sure you use exactly the same coverage information for each comparison quote. If you have different limits and deductibles on each one it’s impossible to determine the lowest rate for your Dodge Stealth.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements for car insurance savings from the likes of 21st Century, Allstate and State Farm. They all have a common claim about savings if you change your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer could possibly be between 25 and 40, insures multiple vehicles, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. You cannot predict which auto insurance company will give you the biggest savings on Dodge Stealth insurance.

Some factors that can determine what Dodge Stealth insurance costs

It’s important that you understand some of the elements that help determine auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The following are some of the items used by your company to calculate rates.

  • Where you live – Being located in a small town can be a good thing when buying auto insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities tend to have much more traffic to deal with and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Liability insurance protects assets – Liability insurance is the protection if ever you are found liable for personal injury or accident damage. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Poor credit can mean higher rates – A driver’s credit rating is a important factor in determining what you pay for auto insurance. People with good credit tend to be more responsible than drivers who have lower credit scores. If your credit score can use some improvement, you could potentially save money when insuring your 1995 Dodge Stealth by improving your credit score.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Careers like real estate brokers, architects and stock brokers have the highest rates because of high stress levels and long work days. On the other hand, jobs such as scientists, students and homemakers get better rates for Stealth coverage.

Cut prices on 1995 Dodge Stealth insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you purchase, but some may not be applied and must be manually applied before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Memberships – Being a member of a qualifying organization may earn a discount on car insurance for Stealth coverage.
  • Paperwork-free – A handful of insurance companies will give a small break simply for signing digitally online.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Stealth coverage with select insurance companies.
  • Auto/Life Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Stealth coverage than less cautious drivers.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

It’s a good idea to ask each company how you can save money. Savings may not apply everywhere.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine if you might need an agent’s assistance.

  • What vehicles should carry emergency assistance coverage?
  • Are my friends covered when driving my car?
  • How can I get my company to pay me more for my totalled car?
  • Can I drive in Mexico and have coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my dog or cat covered if injured in an accident?
  • What is UM/UIM insurance?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for hospital visits, ambulance fees, surgery and pain medications. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Stealth.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

Liability insurance can cover damage that occurs to other people or property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like loss of income, attorney fees, pain and suffering, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

One last thing

Lower-priced 1995 Dodge Stealth insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

You just learned a lot of ways to reduce insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from the smaller companies. They may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

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