Cheap 1991 Dodge Colt Insurance Rates

Looking for lower car insurance rates for your Dodge Colt? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, there are many consumers feeling the pinch from expensive car insurance. There are many insurers to insure vehicles with, and although it’s nice to have a selection, it can be more difficult to find the best rates.

Get lower rates on Dodge Colt insurance

Companies do not advertise every available discount in an easy-to-find place, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you are throwing money away.

  • No Accidents – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates on insurance coverage for Colt coverage.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • E-sign – Certain companies may give you up to $50 just for signing your application on their website.
  • Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Colt coverage than drivers with accident claims.

It’s important to note that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance companies who might offer these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not apply everywhere.

How to Compare Insurance Costs

All the larger insurance companies allow you to get coverage price quotes directly from their websites. Getting quotes is pretty painless as you just enter your coverage information as detailed in the form. Once entered, their system will obtain your credit score and driving record and returns a price determined by many factors. This makes comparing rates easy, but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible if you are searching for a better rate.

There is an easier way!

The smarter way to lower your rates uses one simple form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online shopping much more efficient. Immediately after submitting the form, it is rated and you are able to buy any of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you input the coverage information as close as possible to your current policy. Doing this assures you will have rate comparison quotes based on identical coverages.

Dodge Colt insurance premiums are calculated by many factors

It’s important that you understand some of the elements that come into play when calculating your auto insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Liability insurance protects assets – Your policy’s liability coverage is the coverage that protects you if a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Equipment add-ons that lower auto insurance rates – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Dodge earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Big city or small town – Choosing to live in small towns and rural areas can be a good thing when it comes to auto insurance. Fewer people means fewer accidents and a lower car theft rate. Drivers in populated areas have to deal with much more traffic to deal with and a longer drive to work. More time on the road means more change of being in an accident.
  • Are you male or female? – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.
  • Consolidate policies to earn discounts – Most companies provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
  • Policy add-ons can waste money – There are many add-on coverages that you can buy on your auto insurance policy. Coverages like personal injury protection, towing coverage and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don’t need them get rid of them and save.
  • Discounts for married couples – Getting married can actually save you money on your policy. It translates into being more mature and statistics show married couples file fewer claims.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help highlight if your situation would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is motorclub coverage worth it?
  • Does car insurance cover theft of personal property?
  • What is the rate difference between pleasure use and commuting?
  • Who is covered when they drive my 1991 Dodge Colt?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions, you may need to chat with 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. It is quick, free and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Collision coverages – This coverage pays for damage to your Colt resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Dodge Colt.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, structural damage and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and rock chips in glass. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, EMT expenses, rehabilitation expenses, doctor visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheap 1991 Dodge Colt insurance is definitely available both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these regional insurance providers work with independent agents.

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