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Dodge Spirit Insurance Rates

You have lots of choices when insurance shopping for your Dodge vehicle. You can either buy through an agent or go online to compare rates from insurance providers. Finding cheaper car insurance by comparing rates online can be fast and easy and at the same time you can save money.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies offering insurance. There are several ways to compare rate quotes from different insurance companies. The easiest way to compare Spirit insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

Which factors influence your insurance rates?

Car insurance premiums paid to insure a Dodge Spirit can vary widely depending on several factors. Taken into consideration are:

  • Higher performance Spirit vehicles cost more
  • Any accidents you may have
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your occupation
  • The level of coverage
  • Whether you rent or own your home

An additional factor which can affect Spirit insurance rates is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the costs to repair may result in lower rates. Conversely, new Dodge models may have safety features such as automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which can lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Spirit from available model years below.

Auto liability insurance - This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision - This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive insurance - This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Dodge Spirit Insurance Rates?