1995 Dodge Spirit Insurance Quotes – 9 Tips for Cheaper Rates

Expensive insurance can dwindle your savings account and force you to make sacrifices. Comparing price quotes is a smart way to cut your insurance bill.

Consumers have many car insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

Finding affordable coverage is quite easy. Just about every driver who is shopping for auto insurance should be able to lower their premiums. Nevertheless, car owners must learn how big insurance companies sell insurance online.

Low Cost Car Insurance

To find the best car insurance prices, there are several ways of comparing price quotes and find the best price. The recommended way to find the lowest 1995 Dodge Spirit rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

The first (and easiest) way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate quotes for each company. Taking the time to complete one form will return quotes from multiple companies.

A different way to analyze rates is spending the time to visit the website for each individual company and request a quote. For instance, we’ll pretend you want to compare rates from Progressive, Safeco and State Farm. You would have to visit each site to enter your coverage information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The most time-consuming method to get comparison rates is to spend time driving to and from local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you prefer the professional guidance only provided by licensed agents. You can, however, comparison shop your insurance online and still use a local agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just compare identical coverage limits and deductibles with every price quote. If you use differing limits you will not be able to determine the best price for your Dodge Spirit. Just a small difference in limits could mean much higher rates. And when comparison shopping, getting more free quotes will improve the odds of getting the best price.

Don’t believe everything you hear

State Farm and Allstate constantly bombard you with ads in print and on television. All the companies make the same claim that you can save if you switch your policy. But how can every company make the same claim?

Insurance companies have a preferred profile for the driver that earns them a profit. A good example of a preferred risk might be profiled as a mature driver, insures multiple vehicles, and drives newer vehicles. A customer who meets those qualifications is entitled to the best price and therefore will save quite a bit of money when switching.

Drivers who are not a match for the requirements will be charged a more expensive rate and this can result in business not being written. The ads say “customers that switch” not “people who quote” save that kind of money. That’s the way companies can make the claims of big savings. That is why it is so important to get as many quotes as possible. It’s impossible to know the company that will give you the biggest savings on Dodge Spirit insurance.

Don’t miss out on these nine money-saving discounts

Car insurance companies do not advertise all available discounts very well, so the following is a list of some of the more common and the more hidden savings tricks you should be using.

  • 55 and Retired – Mature drivers may qualify for a discount up to 10% on Spirit insurance.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Spirit insurance than drivers with accidents.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • E-sign – A few companies will give a small break for buying your policy on their website.
  • No Claims – Drivers who don’t have accidents pay much less compared to frequent claim filers.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

Companies that may have these discounts include:

Check with each insurance company how you can save money. Discounts might not be offered in your area.

Do I need special coverages?

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • Does medical payments coverage apply to all occupants?
  • Am I covered by my spouse’s policy after a separation?
  • Is extra glass coverage worth it?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I drive in a foreign country?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How do I buy GAP insurance?
  • What is the ISO rating for a 1995 Dodge Spirit?
  • How can I get my company to pay me more for my totalled car?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Insurance policy coverages for a Dodge Spirit

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Spirit.

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

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, rolling your car, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses like funeral costs, dental work, prosthetic devices, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, fire damage and theft. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

This provides protection from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, medical services, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

One last thing

In this article, we covered many ways to reduce 1995 Dodge Spirit insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with a small mutual company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

The cheapest insurance can be sourced from both online companies in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide online quoting and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are too many instances where someone dropped uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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