Cheapest 1996 Dodge Stealth Insurance Rates in 2023
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UPDATED: Jun 1, 2023
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Searching for cheaper insurance rates for your Dodge Stealth? I can’t think of anyone who looks forward to paying for insurance, particularly when they are paying too much. Companies like Progressive, GEICO and Farmers Insurance all claim big savings with TV and radio ads and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.
You should take the time to get comparison quotes on a regular basis since insurance rates trend upward over time. Even if you got the best rates on Stealth insurance six months ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.
Dodge Stealth rates are in the details
Smart consumers have a good feel for some of the elements that come into play when calculating insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
- Your location affects your rates – Choosing to live in a small town can be a good thing when insuring your vehicles. Urban drivers have to deal with much more traffic and longer commute times. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
- Low deductibles can be expensive – Deductibles for physical damage define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The higher the amount you’re willing to pay, the lower your rates will be on Stealth insurance.
- Do you know you’re credit rating? – Credit score is a huge factor in calculating your insurance rates. So if your credit is lower than you’d like, you could save money insuring your 1996 Dodge Stealth by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit.
- Claim-free discounts can add up – Companies provide lower rates to drivers who do not file claims often. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
- Your insurance rates can be influenced by your job – Occupations such as lawyers, business owners and accountants are shown to have higher rates than average because of stressful work requirements and long work hours. On the flip side, occupations such as scientists, athletes and the unemployed pay the least on Stealth insurance.
- Sex matters – Statistics have proven that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar percentages, but men have costlier accidents. Men also receive more costly citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
Cut your car insurance rates with discounts
Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some must be asked for in order for you to get them. If you aren’t receiving every discount you deserve, you are throwing money away.
- Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
- Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
- No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
- No Claims – Claim-free drivers pay much less when compared to frequent claim filers.
- Safety Course Discount – Taking a course in driver safety could cut 5% off your bill if your company offers it.
- Organization Discounts – Being a member of certain professional organizations may earn a discount on your policy on Stealth insurance.
- Bundle and Save – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
- Federal Employees – Active or retired federal employment can earn a discount up to 10% on Stealth insurance with select insurance companies.
It’s important to note that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.
For a list of providers who offer car insurance discounts, click here to view.
You are unique and your insurance should be too
When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation will benefit from professional help.
- If I drive on a suspended license am I covered?
- Am I covered if I crash into my own garage door?
- Why am I required to buy liability insurance?
- Can my teen drive my company car?
- Is my state a no-fault state?
- Should I buy only the required minimum liability coverage?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Auto insurance coverages
Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages available from insurance companies.
Collision coverages – Collision coverage covers damage to your Stealth resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like driving through your garage door, sustaining damage from a pot hole, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Stealth.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.
Auto liability – Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for things such as emergency aid, structural damage, legal defense fees, pain and suffering and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like fire damage, hail damage, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like prosthetic devices, doctor visits and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Coverage on a shoestring budget
Low-cost 1996 Dodge Stealth insurance is definitely available on the web in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
As you restructure your insurance plan, never buy poor coverage just to save money. There are many occasions where someone sacrificed liability coverage limits and found out when filing a claim that they should have had better coverage. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
In this article, we covered many tips how you can save on insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from the smaller companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.
For more information, feel free to browse the following helpful articles:
- Winter Driving (Insurance Information Insitute)
- State Laws for Cellphones and Texting (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)
- Vehicle Safety Ratings (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance rates for my 1996 Dodge Stealth?
To find the cheapest insurance rates for your 1996 Dodge Stealth, consider taking these five steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Maintain a clean driving record: Having a history of safe driving can help you qualify for lower insurance rates.
- Opt for higher deductibles: Choosing a higher deductible amount can lower your premium, but keep in mind that you’ll have to pay more out of pocket in the event of a claim.
- Explore discounts: Inquire about available discounts such as multi-policy, safe driver, or good student discounts that may help reduce your premium.
- Consider usage-based insurance: Some insurance companies offer usage-based policies where rates are determined by your driving habits. If you’re a responsible driver, this could result in lower rates.
Are there any specific insurance companies known for offering affordable rates for a 1996 Dodge Stealth?
Insurance rates can vary between different companies, so it’s advisable to obtain quotes from several insurers. However, some insurance companies may have more competitive rates for older vehicles. Examples of such companies include GEICO, Progressive, and Allstate. However, it’s essential to compare quotes and evaluate the coverage options to determine the best choice for your specific needs.
What types of coverage are available for a 1996 Dodge Stealth?
The types of coverage available for a 1996 Dodge Stealth are similar to those for other vehicles. Common five options include:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Personal injury protection (PIP)
Are there any additional tips to reduce insurance costs for a 1996 Dodge Stealth?
Yes, here are five tips to help reduce insurance costs for your 1996 Dodge Stealth:
- Maintain a good credit score
- Drive fewer miles
- Install anti-theft devices
- Take a defensive driving course
- Consider dropping unnecessary coverage
Remember, insurance rates can vary significantly based on personal factors and the specific insurance provider. It’s crucial to do thorough research, compare quotes, and choose coverage that adequately protects you and your vehicle.
Can I insure my 1996 Dodge Stealth for liability coverage only?
Liability coverage is mandatory in most states for driving legally. It pays for damages or injuries caused to others but does not cover your own vehicle. Choosing liability coverage only for your 1996 Dodge Stealth means you would be responsible for repair costs or replacements for your car in case of an accident.
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