Buyers have many options when searching for the lowest priced Dodge Spirit insurance. They can either waste time contacting agents to compare prices or utilize the internet to compare rates. There are more efficient ways to find car insurance online so we’re going to tell you the quickest way to price shop coverage on a Dodge and obtain the best price possible from both online companies and local agents.
How to Compare Car Insurance
Lowering your Dodge Spirit car insurance rates is not a difficult process. The only thing you need to do is take the time to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.
- Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do repetitive form entry to each individual car insurance company. One simple form compares rates from multiple companies. It’s definitely the quickest method.
- A different way to compare prices requires you to visit each company website and fill out their own quote form. For instance, let’s assume you want rates from Liberty Mutual, Progressive and GMAC. To find out each rate you need to go to every website 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.
However you get your quotes, compare apples-to-apples coverage limits and deductibles with every price quote. If you have different limits and deductibles on each one it’s impossible to truly determine the lowest rate.
Lower rates by qualifying for discounts
Companies offering auto insurance don’t necessarily list every discount very well, so the following is a list of both well-publicized as well as the least known car insurance savings. If you don’t get every credit available, you’re just leaving money on the table.
- Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
- Defensive Driver – Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
- E-sign – Certain companies may give you up to $50 just for signing your application digitally online.
- Discount for Life Insurance – Larger companies have better rates if you take out life insurance.
- 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% on Spirit insurance.
- College Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Keep in mind that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.
