1996 Dodge Stealth Car Insurance Rates – 8 Tricks for Cheapest Quotes

Searching for cheaper insurance rates for your Dodge Stealth? Locating cheaper insurance for a Dodge Stealth could be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are more efficient ways to compare insurance rates so you’re going to learn the proper way to quote coverages for your Dodge and get the lowest price from both online companies and local agents.

Consumers need to take a look at other company’s rates every six months because prices change quite often. Despite the fact that you may have had the best rates on Stealth insurance a few years ago other companies may now be cheaper. Starting now, forget all the misinformation about insurance because it’s time to teach you the best way to lower your annual insurance bill.

Locating affordable coverage is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use this information to get lower rates while maintaining coverages. Consumers just need to learn the proper methods to get comparison rates over the internet.

How to Compare Insurance Coverage Quotes

Finding lower insurance coverage rates doesn’t have to be difficult. The only thing you need to do is take a few minutes getting comparison quotes online with multiple companies. This can be done in a couple of different ways.

  • The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quote forms for each company you want a rate for. Just one form gets you price quotes from multiple companies. It’s definitely the quickest method.
  • A less efficient way to get quotes online is going to the website of each company to request a price quote. For instance, we’ll pretend you want to compare rates from Progressive, 21st Century and GMAC. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The hardest method to get comparison rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you have a need for the professional guidance of a licensed agent. You can, however, get prices online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage limits and deductibles for each price quote. If you use mixed coverages it will be next to impossible to make an equal comparison.

Don’t pay full price with these eight discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specially asked for before you get the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on your policy on Stealth insurance.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Stealth insurance than their less cautious counterparts.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings of more than 20%.
  • Low Mileage – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Accident Free – Good drivers with no accidents can save substantially as compared to frequent claim filers.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you’re out of luck. But any discount will bring down your overall premium however.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not be available in every state.

Your personal situation dictates your coverage

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Should I have combined single limit or split liability limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my dog or cat covered if injured in an accident?
  • What is roadside assistance coverage?
  • Do I need more liability coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverage considerations

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

This will pay to fix damage to your Stealth caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, colliding with a tree, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills such as chiropractic care, ambulance fees, rehabilitation expenses and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

This provides protection from damage or injury you incur to other people or property by causing an accident. 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. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, medical expenses, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

One last thing

Lower-priced 1996 Dodge Stealth insurance can be purchased on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Insureds change insurance companies for many reasons like questionable increases in premium, being labeled a high risk driver, policy cancellation or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company can be pretty painless.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. Too many times, someone dropped comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

More detailed auto insurance information can be read in these articles: