How to Insure your Dodge Stealth on a Tight Budget
If shopping your car insurance around was fun, we'd do it much more often. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. You might feel the same pain when having to pay the bill on your Dodge Stealth.
Step One: Insurance Rate Comparison Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Welcome to the NEW way to buy car insurance!
All the major car insurance companies sell insurance for a Dodge Stealth and you don't even have to visit each individual website!
To find affordable coverage for your Dodge Stealth, the first step is to click the link below and complete the short form.
Important Tip! In order to accurately compare rates for your Stealth, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Save on Stealth Insurance
There are many contributing factors that determine what you pay to insure your Dodge. You can help yourself (and your wallet) by paying attention to the following rate factors.
- Cheap insurance rates and high performance don't usually mix. If low rates are your goal, the Dodge Stealth is probably not the best vehicle due to it's above average performance.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Let's face it, you aren't driving a Stealth because of the fuel economy. You like the looks and performance and you'll pay a little more for insurance because you're driving a sports car.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Most Dodge vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Stealth is on the list of the most frequently stolen cars, you might be paying just a little extra.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- Teen drivers are expensive to insure and the only way to lower your rates is to rate them on an older vehicle with basic liability coverage.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
Step Three: Choose the Right Company for You
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If the Dodge Stealth is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Be sure to have a new policy ready to go if you are buying a new Stealth. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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