View 1993 Dodge Stealth Insurance Rates

Are you drained from wondering where the money will come from to pay your insurance bill each month? You are in the same boat as millions of other people.

Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rates possible.

It’s a good habit to get comparison quotes periodically because insurance prices are variable and change quite frequently. Even if you think you had the lowest quotes for Stealth insurance a couple years back you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the proper way to get good coverage at a lower rate.

Car insurance discounts help slash rates

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but less common discounts must be specially asked for in order for you to get them.

  • Safety Course Discount – Participating in a class that teaches defensive driving techniques is a good idea and can lower rates if your company offers it.
  • ABS Braking Discount – Vehicles with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class in high school.
  • Military Rewards – Having an actively deployed family member could qualify you for better car insurance rates.
  • Save over 55 – If you’re over the age of 55, you may be able to get a slight reduction on a auto insurance quote for Stealth insurance.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Stealth insurance than less cautious drivers.
  • Seat Belt Discounts – Drivers who require all occupants to buckle up can save a little on medical payment and PIP coverage.

Please keep in mind that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, you won’t be that lucky.

A few of the larger companies and a summarized list of policyholder discounts are included below.

  • American Family offers premium reductions for good student, air bags, bundled insurance, early bird, mySafetyValet, and accident-free.
  • Nationwide includes discounts for accident-free, multi-policy, anti-theft, Farm Bureau membership, good student, and business or organization.
  • MetLife policyholders can earn discounts including multi-policy, claim-free, defensive driver, accident-free, and good driver.
  • 21st Century has discounts for early bird, theft prevention, defensive driver, student driver, good student, and anti-lock brakes.
  • Farmers Insurance may include discounts for bundle discounts, alternative fuel, mature driver, distant student, and business and professional.
  • Allstate may offer discounts for 55 and retired, new car, anti-theft, multi-policy, and passive restraint.

When quoting, ask every insurance company how many discounts you can get. Depending on the company, some discounts may not be offered in your area.

Compare insurance coverage quotes online

When shopping for insurance coverage there are multiple ways to compare prices from different insurance companies. The recommended way to find the lowest 1993 Dodge Stealth rates consists of obtaining rate quotes online. It’s really quite simple and can be done in several different ways.

  • Probably the best way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do separate quote forms for each company. In just a few minutes this one form will return quotes from all major companies.
  • A more difficult way to get quotes online requires you to visit each individual company website to complete a price quote. For examples sake, let’s say you want to compare rates from Farmers, GEICO and GMAC. To do that, you would have to spend time going to each site individually to enter your coverage information, which explains why we recommend starting with the first method. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you use the same coverage limits on every price quote you get. If you have unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Dodge Stealth. Slightly different coverage limits may result in large price differences. Keep in mind that comparing more company’s prices will enable you to find the best price. Some insurance companies are not set up to provide online quotes, so you also need to get price quotes from the smaller companies as well.

What determines Dodge Stealth insurance premiums?

Lots of things are considered when premium rates are determined. Some factors are common sense like a motor vehicle report, but others are less obvious like where you live or how safe your car is.

The factors shown below are a few of the things insurance coverage companies consider when setting your rate level.

  • Good drivers pay the best costs – Having just one driving citation may increase your cost by as much as twenty percent. Drivers with clean records get better prices than their less careful counterparts. People who have dangerous citations like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • Gender matters – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Females and males cause fender benders in similar percentages, but the males have accidents that have higher claims. Not only that, but men also get ticketed for serious violations like reckless driving and DUI. Youthful male drivers have the highest risk to insure and therefore are the most expensive to insure.
  • Car insurance liability protection limits – Your policy’s liability coverage kicks in if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • No policy lapses lowers prices – Having a lapse in insurance coverage will be a sure-fire way to increase your rates. Not only will you pay higher rates, getting caught without coverage could earn you a hefty fine and possibly a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Adjust deductibles and save – The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims are rearending another vehicle, vandalism, and damage caused by road hazards. The more of the claim you have to pay, the less money you will pay for insurance coverage for Stealth insurance.
  • Rural areas have lower costs – Being located in areas with lower population has it’s advantages if you are looking for the lowest rates. Less people living in that area means less chance of accidents in addition to fewer liability claims. Residents of big cities tend to have traffic congestion and longer commute times. More time on the road means more chances of being involved in an auto accident.
  • Small claims can cost you – Companies give the best rates to drivers who file claims infrequently. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is intended for more catestrophic claims.

Which is the best auto insurance?

When it comes to choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Is my 1993 Dodge Stealth covered for flood damage?
  • Can I get a multi-policy discount?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is PIP insurance?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I crash into my own garage door?
  • What discounts do I qualify for?
  • Where can I find DUI or SR-22 insurance?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage advertising gotchas

Big name companies like State Farm, Allstate and GEICO consistently run television, radio, and online ads. All the ads advertise the message that you’ll save big if you move your coverage. That’s great but how can every company give you a better price? This is the trick they use.

All the different companies have a certain “appetite” for the type of driver that earns them a profit. One example of this type of insured might be described as between 30 and 50, carries full coverage, and drives a car with an anti-theft system. Any customer that fits those parameters gets the lowest prices and will cut their rates substantially.

Drivers who do not match those standards will have to pay a more expensive rate and this can result in business going elsewhere. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can truthfully make claims that they all have the best car insurance rates.

This really illustrates why you really should compare price quotes frequently. It is impossible to predict which insurance coverage company will give you the biggest savings.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like prosthetic devices, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Stealth.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage pays for damage to your Stealth resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability auto insurance

This protects you from damage that occurs to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, attorney fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, hail damage and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Get your money’s worth

In this article, we presented a lot of information how to lower your 1993 Dodge Stealth insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the best price on auto insurance is with a small mutual company. They often have lower car insurance rates on specific markets compared to the large companies like Progressive or GEICO.

Budget-friendly auto insurance is possible both online and with local insurance agents, so you need to quote auto insurance with both to get a complete price analysis. Some insurance providers may not have the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent agents.

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