1993 Dodge Colt Insurance Cost

Trying to find the cheapest insurance for a Dodge Colt can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy auto insurance and you need to know the quickest way to price shop coverage for a new or used Dodge and get the lowest price.

It’s smart to price shop coverage yearly because rates change regularly. Even if you think you had the lowest price on Colt insurance a couple years back other companies may now be cheaper. Starting right now, block out anything you think you know about auto insurance because I’m going to teach you the quickest way to properly buy coverages and cut your premium.

Finding affordable coverage is not rocket science. If you are insured now or are looking for a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Consumers only need to know the best way to get comparison rates online.

Finding Auto Insurance Deals

Effectively comparing auto insurance prices can take time and effort if you don’t utilize the best way to get rate quotes. You could waste a few hours talking about coverages with insurance agencies in your area, or you could use online quotes to get prices fast.

Many insurance companies belong to a marketplace where insurance shoppers send in one quote, and each participating company can give them a price determined by their information. This saves time by eliminating form submissions for each company. To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to using this type of form is you cannot specify the insurers you want pricing from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using the exact same information for each comparison quote. If you use different liability limits it will be very difficult to make an equal comparison.

Pay less for Dodge Colt insurance

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find both the well known and also the lesser-known insurance coverage savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Memberships – Participating in certain professional organizations could qualify you for a break on insurance coverage on Colt insurance.
  • Resident Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Colt insurance with certain companies.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Early Signing – Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.

It’s important to understand that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of providers who offer insurance coverage discounts, click this link.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.

For instance, these questions can help discover if you might need professional guidance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why am I required to get a high-risk car insurance policy?
  • Am I insured when driving a different vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I getting all the discounts available?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my cargo covered for damage or theft?
  • What vehicles should carry emergency assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, scraping a guard rail and colliding with another moving vehicle. 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.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism and theft. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

Liability coverage will cover damage that occurs to people or other property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical services, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Colt.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as ambulance fees, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay