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Dodge Omni Insurance Rates

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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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UPDATED: Jun 12, 2015

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Comparing auto insurance by quoting online is simple to do and at the same time you may find lower rates. The critical component is to take the time to get rates from all providers in order to accurately compare the lowest priced insurance.

Using the web to shop for auto insurance direct is challenging if you have never used online quotes. But relax because we're going to show you how. The are a couple different ways to compare rate quotes and find the best price. The best method to find the cheapest Dodge Omni insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What influences your insurance rates?

Insurance premiums paid to insure a Dodge Omni can vary widely subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Credit rating
  • Male drivers pay higher rates
  • The deductible you choose
  • Your vehicle's safety rating
  • Your job
  • Insurance coverage level
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new Omni models so the costs to repair can decrease annual premiums. Although new Omni models have more advanced features included like pedestrian detection, automatic crash notification, and tire pressure monitors which can help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverages - Dodge Omni liability coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper Dodge Omni insurance rates.

Comprehensive coverages - This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not universally available and may carry a deductible.

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