1991 Dodge Stealth Car Insurance Quotes – 5 Tricks for Cheaper Rates

Expensive insurance can drain your bank account, especially in this economy. Comparing price quotes is free and is an excellent way to cut your insurance bill.

Having so many companies to choose from, it can be impossible to choose the most affordable insurance company.

Finding Auto Insurance Deals

There are multiple methods you can shop for 1991 Dodge Stealth auto insurance but one way is less time-consuming than others. You can spend your afternoon talking about coverages with agents in your area, or you can utilize online quoting to get pricing more quickly.

Most of the larger companies take part in a program that allows shoppers to submit one quote, and every company returns a competitive quote for coverage. This saves time by eliminating form submissions to each company. To compare 1991 Dodge Stealth rates using this form now click to open in new window.

The only drawback to doing it this way is you can’t choose which companies to get pricing from. So if you want to select specific providers to compare, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples deductibles and coverage limits on every quote you get. If you compare different deductibles it will be very difficult to find the best deal for your Dodge Stealth. Slightly different coverage limits may result in a large different in cost. And when quoting auto insurance, remember that comparing more company’s prices provides better odds of finding a lower rate.

Discounts are basically free money

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Some trigger automatically at quote time, but a few need to be inquired about before you will receive the discount.

  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Stealth coverage than less cautious drivers.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Low Mileage – Keeping the miles down on your Dodge could qualify for a substantially lower rate.
  • Student in College – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.

Drivers should understand that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But any discount will cut your premiums.

A partial list of companies that possibly offer these discounts are:

Check with each insurance company which discounts they offer. All car insurance discounts might not be offered in your state.

Which insurance is the “right” coverage?

When it comes to buying coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 1991 Dodge Stealth?
  • Does car insurance cover theft of personal property?
  • What is covered by UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Do you really save 40% when you switch?

Companies like Progressive, Allstate and Geico continually stream ads on TV and radio. All the ads have a common claim that you’ll save big after switching your coverage to them. But how can every company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the type of customer that is profitable for them. A good example of a preferred risk might be a mature driver, a clean driving record, and has a short commute. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will have to pay a more expensive rate which leads to the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully advertise the way they do.

Because of the profiling, you absolutely need to get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest Dodge Stealth insurance rates.

Learn about insurance coverages for a Dodge Stealth

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for nursing services, ambulance fees, funeral costs and doctor visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers 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

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This will cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, funeral expenses, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Be a Smart Shopper

Budget-conscious 1991 Dodge Stealth insurance can be found both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and these regional insurance providers work with independent agents.

We just showed you quite a bit of information on how to compare insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Drivers may discover the most savings is with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

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