1994 Dodge Spirit Car Insurance Quotes – 10 Tips to Save

Want the cheapest insurance rates for your Dodge Spirit? Have you had enough of sacrificing to pay high insurance rates every month? You are in the same boat as many other drivers.

Multiple insurers compete to insure your vehicles, so it can be very hard to choose a provider and get the definite best rate

How to buy car insurance

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You could spend the better part of a day talking about coverages with agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company can give them a price determined by their information. This prevents consumers from doing form submissions for every car insurance company.

To submit your quote information now, click to open in new window.

The single downside to getting quotes like this is that you can’t choose which providers to receive prices from. So if you want to select specific providers to compare, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just be certain you are entering equivalent information on every price quote you get. If each company quotes different data it will be impossible to determine which rate is truly the best. Slightly different insurance coverages or limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes helps improve the odds of finding the best rates. Some insurance companies are not set up to provide price estimates online, so you should also compare price estimates on coverage from those companies, too.

Find discounts on insurance coverage

Some insurance providers don’t always publicize the complete list of policy discounts very well, so the below list has a few of the more well known and the more hidden credits available to you.

  • Distant Student Discount – Any of your kids who are attending college and do not have a car could qualify for this discount.
  • Telematics Discount – Drivers who agree to allow their company to monitor driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
  • Military Rewards – Having a family member in the military could be rewarded with lower premium rates.
  • Driver Safety – Taking a course teaching defensive driving skills may get you a small discount and make you a better driver.
  • Save with More Vehicles Insured – Drivers who insure more than one vehicle on a single policy can reduce rates for all insured vehicles.
  • Savings for New Vehicles – Putting insurance coverage coverage on a new car can cost up to 25% less because new model year vehicles are generally safer.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on car insurance quote as opposed to drivers who are more careless.
  • Discounts for Cautious Drivers – Insureds without accidents could pay up to 40% less on Spirit insurance as compared to drivers with claims.

Policy discounts save money, but some credits don’t apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance coverage policy, you aren’t that lucky.

To locate providers who offer online insurance coverage quotes, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions might point out whether or not you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need more liability coverage?
  • I don’t drive much so do I pay less?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • At what point should I drop full coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.


Liability coverage can cover damage that occurs to people or other property by causing an accident. 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 liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, 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 one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, medical services, court costs, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding, vandalism and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as rehabilitation expenses, nursing services, doctor visits and pain medications. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Dodge Spirit.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Affordable insurance is out there

As you shop your coverage around, do not buy less coverage just to save a little money. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

We’ve covered many ideas to reduce 1994 Dodge Spirit insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheap car insurance. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

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