Compare 1991 Dodge Spirit Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Searching for lower insurance coverage rates for your Dodge Spirit? Locating low-cost insurance for a new or used Dodge Spirit could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to find insurance coverage online so you’re going to learn the proper way to compare rates for a new or used Dodge and locate the cheapest rates from both online companies and local agents.

It’s important to shop coverage around once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates on Spirit coverage a few years ago you can probably find a better price now. So just ignore everything you know about insurance coverage because you’re going to learn the fastest and easiest way to save money, get proper coverage and the best rates.

The best way to compare policy rates is to know the trick car insurance companies have advanced systems to provide you with free rate quotes. To get started, all you need to do is give them some information such as the year, make and model of vehicles, if a SR-22 is needed, how old drivers are, and if you’re married. That rating information is instantly sent to insurance carriers in your area and you will receive price estimates very quickly.

Cut your premium with discounts

Auto insurance companies don’t always publicize every discount very well, so here is a list both well-publicized as well as the least known ways to save on insurance. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Low Mileage Discounts – Keeping the miles down on your Dodge could qualify for discounted rates on garaged vehicles.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Club Memberships – Being a member of certain professional organizations may earn a discount when buying insurance on Spirit coverage.

Keep in mind that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurance companies with discount insurance rates, click here.

What is the best insurance coverage?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions could help you determine whether your personal situation might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • When should I buy a commercial auto policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is an SR-22 filing?
  • Do I need rental car coverage?
  • Which is better, split liability limits or combined limits?
  • Is my state a no-fault state?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Auto insurance 101

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1991 Dodge Spirit.

Since a lot of drivers only carry the minimum required liability 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.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, funeral expenses, emergency aid, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, hail damage, hitting a deer, theft and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, ambulance fees and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

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