Cheaper 1997 Dodge Intrepid Insurance Quotes

Searching for low-cost insurance may at first seem to be somewhat difficult for beginners to comparing rates over the internet. With such a large number of agents and insurance companies available, how can you possibly compare them all to find the lowest price available?

It’s important to compare premium rates as often as possible because insurance prices change regularly. Even if you got the best rates for Intrepid insurance last year you can probably find a lower rate today. There is a lot of bad information regarding insurance out there, but you can learn some good information on how to lower your insurance premiums.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. This information will familiarize you with the best way to quote coverages and some tips to save money. But car owners can benefit from knowing the way companies compete online and apply this information to your search.

The most recommended method to compare car insurance rates is to know the fact all the major auto insurance companies participate in a system to provide you with free rate quotes. All you need to do is take a few minutes to give details like what you do for a living, whether your vehicle is owned or leased, if a SR-22 is required, and how much education you have. That rating data is automatically sent to multiple auto insurance providers and you will get price comparisons immediately.

Informed drivers can lower insurance rates

Part of the car insurance buying process is learning some of the factors that go into determining your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Multiple criteria are considered when quoting car insurance. Some of the criteria are obvious such as traffic violations, but other factors are less apparent like your vehicle usage or how safe your car is.

Listed below are some of the things companies use to determine your premiums.

  • Teenage drivers are expensive to insure – Older people are shown to be more cautious, cause fewer claims and accidents and are safer drivers.Drivers with little experience are proven to be more careless when behind the wheel and because of this, their car insurance rates are much higher.
  • Pay more of a claim out-of-pocket – Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some coverage claims are a windshield shattered by a rock, damage caused by hail, and burglary. Deductibles for physical damage tell how much you are required to pay if a claim is determined to be covered. The more of the claim you have to pay, the less your car insurance will be for Intrepid insurance.
  • Drive less and save – The more miles you rack up on your Dodge each year the more you’ll pay to insure your vehicle. Almost all companies calculate rates based upon how the vehicle is primarily used. Cars not used for work or commuting get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your policy properly reflects the correct usage for each vehicle. Having the wrong rating on your Intrepid may be costing you higher rates.
  • Females tend to cost less – The statistics show females are less aggressive when driving. Now that doesn’t mean women are better drivers. Males and females have fender benders at a similar rate, but males cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
  • Always keep your car insurance policy in force – Having a lapse in insurance coverage is a fast way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage could result in a revoked license or a big fine.
  • Cars with good safety ratings save money – Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries translates directly to fewer claims and lower rates for you. If your Dodge Intrepid earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • What are good liability protection limits? – Liability coverage kicks in if you are found to be at fault for damages caused by your negligence. This coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • More policies can equal more savings – The majority of insurers provide discounts for people that buy multiple policies. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you’re getting this discount consumers should still comparison shop to help ensure you have the lowest rates.

Lower-cost insurance coverage rates with discounts

Companies don’t list every disount available very clearly, so here is a list a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Employee of Federal Government – Active or former government employment could provide a small rate reduction for Intrepid insurance with a few insurance coverage companies.
  • Telematics Devices – Insureds that choose to allow their company to monitor driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Discounts for Safe Drivers – Insureds who avoid accidents may receive a discount up to 45% for Intrepid insurance than drivers with accident claims.
  • One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident without raising rates so long as you are claim-free for a set time period.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Intrepid insurance.
  • New Car Discount – Insuring a vehicle that is new may earn a small discount because newer vehicles keep occupants safer.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. You can use this discount normally until age 25.
  • Auto/Home Discount – When you have multiple policies and place coverage with the same company you may save approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But any discount should help reduce your overall premium however.

A few of the larger companies and some of the premium reductions they offer are:

  • The Hartford has savings for anti-theft, good student, vehicle fuel type, air bag, driver training, bundle, and defensive driver.
  • American Family policyholders can earn discounts including bundled insurance, air bags, mySafetyValet, multi-vehicle, and good student.
  • Progressive offers discounts including online quote discount, multi-policy, online signing, good student, homeowner, continuous coverage, and multi-vehicle.
  • Travelers offers discounts for good student, continuous insurance, driver training, new car, multi-car, and student away at school.
  • Farmers Insurance offers premium reductions for early shopping, bundle discounts, mature driver, multi-car, electronic funds transfer, and switch companies.
  • USAA has discounts for annual mileage, safe driver, family discount, vehicle storage, good student, and military installation.
  • Liberty Mutual discounts include safety features, teen driver discount, hybrid vehicle, multi-policy, preferred payment discount, exclusive group savings, and good student.

If you want inexpensive auto insurance quotes, ask all companies you are considering which discounts you qualify for. Savings might not apply in your state. If you would like to view providers who offer discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • Is my cargo covered for damage or theft?
  • What is roadside assistance coverage?
  • Are rock chip repairs covered?
  • What can I do if my company denied a claim?
  • How can I find cheaper teen driver insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when delivering products for my home-based business?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Car insurance coverages 101

Knowing the specifics of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, ambulance fees and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision protection

This covers damage to your Intrepid from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, sustaining damage from a pot hole, hitting a parking meter, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Stretch your dollar

You just learned many ideas to lower your 1997 Dodge Intrepid insurance premium rates. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper auto insurance. You may even find the biggest savings come from some of the lesser-known companies.

Some insurance companies may not have online price quotes and many times these smaller companies sell through independent insurance agents. Affordable 1997 Dodge Intrepid insurance can be found online as well as from independent agents, and you need to price shop both to have the best selection.

Insureds leave their current company for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, extreme rates for teen drivers and delays in paying claims. Regardless of your reason, finding a new insurance company can be easy and end up saving you some money.

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