Save on 1992 Dodge Stealth Insurance Cost

Buying the most affordable insurance online may be impossible for consumers new to price shopping online. Because there are so many insurers to choose from, how can you effectively compare them all to find the cheapest rates?

It’s a good idea to price shop coverage on a regular basis because insurance rates are usually higher with each renewal. Just because you found the lowest rates on Stealth coverage a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

How to Compare Auto Insurance Quotes

Performing a rate comparison is a ton of work if you don’t utilize the best way to get rate quotes. You can waste hours talking to insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many insurance companies take part in a program that enables customers to only type in their quote data once, and each participating company provides a quote for coverage. This prevents consumers from doing quote forms for every auto insurance company.

To access this free quoting program, click here to open in new window.

The only drawback to using this type of system is you are unable to specify which carriers to get quotes from. So if you prefer to choose specific providers to compare, we put together a list of low cost auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare identical coverage limits on every quote you get. If your comparisons have unequal deductibles or liability limits you can’t possibly make a fair comparison for your Dodge Stealth. Just a small difference in limits could mean much higher rates. And when comparison shopping, having more price comparisons provides better odds of finding better pricing.

Do you qualify for a discount?

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we break down both the well known as well as the least known ways to save on insurance.

  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates on Stealth coverage.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Memberships – Being a member of a qualifying organization could trigger savings on insurance on Stealth coverage.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Stealth coverage than drivers with accident claims.
  • Seat Belts Save – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Stealth coverage depending on your company.

It’s important to note that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous.

A partial list of companies that may offer some of the above discounts are:

It’s a good idea to ask each insurance company how you can save money. Savings may not be available in your state.

These factors can influence Dodge Stealth insurance rates

Smart consumers have a good feel for the factors that help determine the price you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

  • What are your deductibles? – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Dodge from damage. A few examples of covered claims would be running into the backend of another car, collision with an animal, and rolling your vehicle. The deductibles are the amount of money you are required to spend out-of-pocket before your insurance coverage pays a claim. The more you have to pay, the bigger discount you will receive on Stealth coverage.
  • Younger drivers pay higher rates – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers tend to be less responsible when driving therefore insurance coverage rates are much higher.
  • Drive less and save money – Driving more miles every year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage coverage is rated on the proper vehicle usage. If your policy improperly rates your Stealth may be wasting your money.
  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you if a jury decides you are liable for damages caused by your negligence. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Safe vehicles cost less to insure – Cars with high safety ratings get lower rates. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Dodge Stealth is rated at least four stars on Safercar.gov you are probably receiving a discount.

What coverages do I need?

When buying coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • What discounts do I qualify for?
  • Why am I required to buy liability insurance?
  • Am I covered if my car is in a flood?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a blown tire covered by insurance?
  • Do I need roadside assistance coverage?
  • Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Don’t be fooled by advertising claims

Companies like Progressive, Allstate and Geico regularly use ads on television and other media. All the ads make the same claim about savings if you move to their company. But how can every company say the same thing?

Insurance companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk might be profiled as over the age of 50, is a homeowner, and chooses high deductibles. Any new insured that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Drivers who are not a match for the requirements will be quoted more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the savings. This emphasizes why it’s extremely important to compare many company’s rates. It’s not possible to predict which auto insurance company will give you the biggest savings on Dodge Stealth insurance.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for expenses like EMT expenses, hospital visits and pain medications. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, hail damage and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for 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, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for liability – This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, pain and suffering, loss of income, medical expenses and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

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

Collision coverage pays for claims such as hitting a mailbox, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Quote more. Save more.

We just presented many tips how you can lower your 1992 Dodge Stealth insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a small mutual company.

Budget-conscious insurance can be purchased online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

People change insurance companies for many reasons like delays in responding to claim requests, high rates after DUI convictions, lack of trust in their agent or even not issuing a premium refund. No matter why you want to switch, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

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