Cheaper 1993 Dodge Colt Insurance Quotes

Trying to find cheaper insurance coverage rates for your Dodge Colt? Vehicle owners fed up with high insurance prices and are new to price shopping car insurance online are likely to find sourcing inexpensive insurance is tougher than they thought.

It’s a good idea to do price comparisons before your next renewal because insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes on Colt coverage a year ago you will most likely find a better rate today. You can search a lot of insurance coverage online but by reading this article, you’re going to learn some of the best techniques to lower your insurance coverage rates.

Finding auto insurance

To find cheaper insurance quotes, there are several ways to obtain and compare prices from different companies. The fastest way to find competitive 1993 Dodge Colt insurance rates involves getting comparison quotes online. This can be done in a couple of different ways.

One of the best ways to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate quote forms for every company. One form submission gets you coverage quotes direct from many companies. Recommended for those who want to invest the least amount of time.

A less efficient way to find better pricing is spending the time to visit each company’s website and repeat the quote process. For examples sake, we’ll assume you want to compare prices for Nationwide, Liberty Mutual and State Farm. You would need to go to each individual site and punch in your information repeatedly, which can get rather old.

To view a list of companies in your area, click here.

Which method you use is up to you, but be certain you are entering nearly identical coverage information for every company. If you are comparing different coverage information you can’t possibly make a fair comparison for your Dodge Colt. Even a minor difference in insurance coverages or limits could skew the results. And when comparison shopping, comparing a wide range of rates helps you find the best offered rates. Not every company provides prices over the internet, so it’s important to also get rates from the smaller companies as well.

Find discounts to get cheap insurance coverage quotes

Insurance coverage is not an enjoyable expense, but you might be missing out on some discounts that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but some may not be applied and must be requested specifically before you will receive the discount. If you’re not getting every credit you qualify for, you are throwing money away.

  • Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
  • Defensive Driver – Taking time to complete a safe driver course could save 5% or more depending on where you live.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
  • Bundle and Save – If you combine your auto and homeowners policies and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Active Military Service – Having a deployed family member can result in better insurance coverage rates.
  • Accident Forgiveness Coverage – Not really a discount, but companies like State Farm and GEICO will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Accident-Free Discounts – Drivers with accident-free driving histories pay less in comparison with drivers who are more careless.

Please keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way.

To see a list of providers that offer discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions might help in determining if you might need an agent’s assistance.

  • When should I drop full coverage on my 1993 Dodge Colt?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why do I need rental car insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Why is insurance for a teen driver so high?
  • Do I have any recourse if my insurance company denies a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Does my insurance cover a custom paint job?
  • Do I pay less for low miles?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Informed consumers can save money

It’s important that you understand some of the elements that go into determining your premiums. If you have some idea of what determines premiums, this enables you to make decisions that will entitle you to better auto insurance rates.

Shown below are some of the most rate-impacting factors auto insurance companies consider when setting prices.

  • Pay more out-of-pocket – Physical damage deductibles state the amount of money you are willing to pay if the claim is covered. Physical damage insurance, aka comp and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a stationary object, animal collisions, and having a roll-over accident. The more expense you’re willing to pay, the lower your rates will be on Colt coverage.
  • Always have auto insurance – Driving any period of time without insurance can get your license suspended and companies may charge more for letting your insurance coverage expire. Not only will rates go up, being ticketed for driving with no insurance can result in a license revocation or jail time.
  • Car plus home equals more savings – Most larger auto insurance companies will award discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to check prices from other companies to verify if the discount is saving money. It’s possible to still save even more even if you have your coverage with different companies
  • More stress means more cost – Occupations like lawyers, executives and miners usually pay higher premiums than the average policyholder attributed to job stress and incredibly demanding work hours. Conversely, occupations such as actors, historians and retirees receive lower rates on Colt coverage.
  • impact premiums – Selecting a car model with an alarm system can help lower your premiums. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Premiums are lower the older you get – Drivers with little experience are proven to be easily distracted behind the wheel so they pay higher auto insurance rates. Parents adding a young driver onto your auto insurance can really hurt. Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Don’t cut corners with liability insurance – Your policy’s liability coverage is the protection if ever you are found liable for causing personal injury or damage in an accident. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Safer cars lower auto insurance rates – Vehicles with good safety scores cost less to insure. Vehicles built for safety reduce the chance of injuries and better occupant protection translates directly to fewer claims and more competitive rates for policyholders.

Truth in insurance advertising

Well-known insurance companies like Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to advertise claims about how much you will save if you change to their company. That’s great but how can every company give you a lower rate?

All the different companies can use profiling for the type of insured that will generate a profit. An example of a profitable risk profile should be over the age of 40, insures multiple vehicles, and drives a lower-performance vehicle. Any person who meets those qualifications is entitled to the best price and will pay quite a bit less when switching companies.

Potential customers who don’t measure up to this ideal profile may receive higher rates and this can result in the customer not purchasing. The ads state “customers that switch” not “everybody who quotes” can save as much as they claim. That’s why companies can claim big savings. This emphasizes why it is so important to compare free insurance quotes often. It’s not possible to predict the company that will have the best prices at this point in time.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses – Med pay and PIP coverage pay for bills for dental work, EMT expenses, nursing services, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive car insurance – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle and hail damage. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability – Liability coverage protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, emergency aid and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

Collision coverages – Collision coverage pays for damage to your Colt 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 can pay for things such as crashing into a building, sideswiping another vehicle, rolling your car, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Colt.

Because many people 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 very important.

Stretch your dollar

Insureds leave their current company for any number of reasons including poor customer service, high prices, extreme rates for teen drivers or high rates after DUI convictions. Whatever your reason, finding a new car insurance company is less work than it seems.

When getting insurance quotes online, never reduce needed coverages to save money. In many cases, someone sacrificed liability coverage limits only to find out that it was a big mistake. The aim is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

We just presented many tips how you can compare 1993 Dodge Colt insurance premium rates online. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the most savings is with a small mutual company.

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