Nobody likes paying for auto insurance, especially knowing the cost is way too high.
With so many auto insurance companies to choose from, it can be impossible to locate the right provider.
You should make it a habit to take a look at other company’s rates every six months because prices change regularly. Even if you got the best deal on Stealth insurance a couple years back the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so I’m going to show you some tested techniques to stop overpaying for insurance.
These factors can influence what you pay for Dodge Stealth insurance
Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Understanding what controls the rates you pay enables informed choices that could result in better auto insurance rates.
- Consolidate policies to earn discounts – The majority of insurers will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to verify if the discount is saving money.
- Adjust deductibles and save – The deductibles represent how much money you are willing to pay out-of-pocket 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. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The more money you’re willing to pay, the bigger discount you will receive on Stealth insurance.
- Please use or commuting – The more you drive in a year’s time the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your Stealth can result in significantly higher rates. Make sure your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
- Never go without insurance – Letting your insurance expire is a sure-fire way to pay more for auto insurance. Not only will you pay more, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
- Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, social workers and dentists tend to have the highest average rates attributed to job stress and long work days. Other occupations such as farmers, historians and performers receive lower rates on Stealth insurance.
How to Get Cheap Auto Insurance
There are several ways to get quotes from different insurance companies. One of the best ways to find the lowest Dodge Stealth rates is to use the internet to compare rates. This can be accomplished in several different ways.
- The single most time-saving way to find low rates would be an industry-wide quote request form click to view form in new window. This form keeps you from doing separate forms for each company. In just a few minutes this one form will return price quotes direct from many companies.
- A harder way to compare rate quotes is going to each company’s website and fill out their own quote form. For instance, we’ll pretend you want comparison quotes from Allstate, Esurance and Travelers. You would have to visit each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, make absolute certain that you use exactly the same coverages and limits for each comparison quote. If you use mixed coverages it’s not possible to truly determine the lowest rate. Slightly different limits may result in a large different in cost. And when quoting auto insurance, remember that quoting more gives you a better chance of getting a better price.
Don’t listen to company ads
Companies like Allstate, GEICO and Progressive regularly use ads in print and on television. All the ads say the same thing that you’ll save big if you move to them. How can each company say the same thing?
Insurance companies have a preferred profile for the right customer that makes them money. For instance, a desirable insured might be between 25 and 40, has no prior claims, and has a short commute. A propective insured who fits that profile is entitled to the best price and therefore will save a lot of money.
Consumers who are not a match for the “perfect” profile must pay higher premiums which usually ends up with business not being written. The ad wording is “people who switch” not “everyone that quotes” save that much. That is how companies can advertise the savings.
This illustrates why it’s extremely important to compare many company’s rates. It’s not possible to predict which insurance companies will fit your personal profile best.
Verify you’re getting all your discounts
Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but some may not be applied and must be inquired about prior to getting the savings.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Military Rewards – Being on active duty in the military could mean lower rates.
- Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
- Bundle and Save – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
- Accident Waiver – Certain companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
- Low Mileage – Fewer annual miles on your Dodge could be rewarded with lower rates on the low mileage vehicles.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
- No Claims – Claim-free drivers pay less compared to accident-prone drivers.
Drivers should understand that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut your overall premium however.
To choose insurance companies with discount auto insurance rates, follow this link.
When should I talk to an agent?
When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.
- Am I covered if I crash into my own garage door?
- Is my nanny covered when driving my vehicle?
- Am I covered if I drive in a foreign country?
- Does my car insurance cover rental cars?
- Is pleasure use cheaper than using my Dodge Stealth to commute?
- How high should my uninsured/underinsured coverage be in my state?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Summing up your auto insurance search
Budget-conscious Dodge Stealth insurance can be bought from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
When trying to cut insurance costs, never reduce needed coverages to save money. In too many instances, an insured cut collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
