1991 Dodge Spirit Insurance Rates

Locating low-cost insurance for your Dodge Spirit can turn out to be an all-consuming task, but you can use our insurance buying tips to save time. There is a better way to find insurance online so you’re going to learn the absolute fastest way to compare rates for your Dodge and find the lowest possible price from local insurance agents and online providers.

Consumers should take time to quote other rates before your next renewal due to the fact that insurance prices tend to go up over time. If you had the best deal for Spirit coverage a few years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn how to use the internet to reduce your cost while increasing coverage.

Buying car insurance is quite easy. If you have a policy now or are shopping for new coverage, you can use this information to find better prices and possibly find even better coverage. Vehicle owners only need an understanding of the proper way to get comparison quotes over the internet.

More affordable rates with these insurance discounts

Insurance can be pricey, but there’s a good chance there are discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some must be asked about before you will receive the discount.

  • Anti-lock Brakes – Vehicles that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Homeowners Pay Less – Owning a home can get you a discount because it requires personal responsibility.
  • Multi-policy Discount – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • Theft Deterent Discount – Vehicles with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Paper-free Discount – Many insurance companies will give you a small discount for signing up on your computer.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you can avoid monthly service charges.
  • New Vehicle Savings – Insuring a new car is cheaper since newer vehicles have better safety ratings.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.

As a footnote on discounts, most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free insurance policy, it just doesn’t work that way.

A few popular companies and their offered discounts are shown below.

  • Farm Bureau offers discounts including driver training, safe driver, good student, youthful driver, multi-policy, multi-vehicle, and renewal discount.
  • Liberty Mutual offers discounts for newly retired, new move discount, multi-car, exclusive group savings, good student, safety features, and new graduate.
  • State Farm includes discounts for driver’s education, multiple autos, student away at school, defensive driving training, good student, and accident-free.
  • Auto-Owners Insurance policyholders can earn discounts including paid in full, safe driver, anti-theft, teen driver, safe vehicle, group or association, and mature driver.
  • GEICO has savings for anti-lock brakes, air bags, multi-vehicle, membership and employees, driver training, and seat belt use.
  • SAFECO may offer discounts for drive less, anti-lock brakes, homeowner, teen safe driver, teen safety rewards, and bundle discounts.

If you want inexpensive insurance quotes, ask each company to apply every possible discount. Some of the earlier mentioned discounts may not be available in your area.

Finding car insurance

Performing a rate comparison can take time and effort if you don’t know the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system that allows shoppers to only type in their quote data once, and every company then returns a price quote based on that data. This saves time by eliminating quote forms to each individual car insurance company.

To participate in this free quote system, click to open in new window.

The one disadvantage to pricing coverage this way is you don’t know exactly the companies to receive prices from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make sure you use equivalent coverages on every quote you get. If your comparisons have different data you will not be able to determine which rate is truly the best.

Auto insurance can get complicated

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions might point out if your situation might need professional guidance.

  • Should I drop comprehensive coverage on older vehicles?
  • Is there coverage for injuries to my pets?
  • Does coverage extend to Mexico or Canada?
  • Are rental cars covered under my policy?
  • Are my friends covered when driving my car?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1991 Dodge Spirit.

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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, hitting a bird, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

This coverage can cover damage that occurs to people or other property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees and funeral expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Collision protection

Collision insurance will pay to fix damage to your Spirit resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, ambulance fees and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Save your cold hard cash

More affordable auto insurance can be bought both online in addition to many insurance agents, so you should compare both to have the best selection. A few companies may not have the ability to get a quote online and most of the time these regional carriers provide coverage only through independent insurance agencies.

As you quote insurance, do not skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

We just showed you many ways to shop for 1991 Dodge Spirit insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheap insurance. You may be surprised to find that the lowest premium rates come from the smaller companies.

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