Lower Your 2002 Dodge Intrepid Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Dodge Intrepid? Comparing and finding cheaper coverage rates for insurance coverage is always difficult for drivers who have little experience quoting coverage prices online. Because there are so many online companies, it can easily be a difficult challenge to compare coverage rates.

It’s a good idea to do price comparisons every six months due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on Intrepid coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the proper way to remove unneeded coverages and save money.

How you can control Dodge Intrepid insurance prices

Part of the insurance buying process is learning a few of the rating criteria that go into determining your insurance rates. If you have some idea of what influences your rates, this helps enable you to make changes that may reward you with cheaper rates.

  • Your address can affect rates – Living in less populated areas of the country has it’s advantages when buying insurance. Urban drivers tend to have more aggressive driving styles and more severe claims. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Age of drivers impacts premiums – Inexperience drivers are statistically proven to be easily distracted when driving with friends so they pay higher insurance rates. Older people are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets.
  • Pay more out-of-pocket – Deductibles for physical damage are the amount of money you are required to pay if a covered claim is submitted. Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered are collision with another vehicle, vandalism, and damage from wind. The more expense the insured is willing to pay, the bigger discount you will receive on Intrepid coverage.
  • Is you occupation costing you more? – Careers like fire fighters, architects and accountants tend to pay the highest average rates because of stressful work requirements and incredibly demanding work hours. Conversely, jobs such as farmers, athletes and the unemployed pay the least on Intrepid coverage.
  • Do you need those extra coverages? – There are quite a few optional add-on coverages that can add up if you aren’t diligent. Coverages like coverage for rental cars, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment when talking to your agent, but if you don’t need them think about removing them and cutting costs.
  • Driving citations can increase prices – How you drive has a big impact on rates. Attentive drivers have lower premiums than bad drivers. Just one chargable violation can boost insurance rates by twenty percent. Drivers who get dangerous citations such as hit and run, DWI or reckless driving convictions may find that they have to to complete a SR-22 with their state in order to legally drive a vehicle.

Save with with these discounts

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Some discounts apply automatically when you get a quote, but some need to be specially asked for before you will receive the discount.

  • Own a Home and Save – Just owning your own home can get you a discount due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Renewal Discounts – Some insurance companies give discounts for switching to them before your current policy expires. Ten percent is about the average savings.
  • Good Grades Discount – Being a good student can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • Bundle and Save – If you have multiple policies and insure them with the same company you may save up to 20% and get you cheaper auto insurance.
  • Safe Drivers – Drivers without accidents may save up to 50% more on Intrepid coverage than drivers with accidents.
  • Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a auto insurance quote on Intrepid coverage.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Telematics Discount – People who choose to allow driving data collection to analyze where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
  • Employee of Federal Government – Active or former government employment could provide a small rate reduction on Intrepid coverage but check with your company.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

Companies and a summarized list of policyholder discounts include:

  • Mercury Insurance offers discounts including professional/association, anti-theft, good student, ease of repair, annual mileage, and age of vehicle.
  • Farmers Insurance has discounts for good student, teen driver, multi-car, early shopping, and youthful driver.
  • Farm Bureau may have discounts that include safe driver, 55 and retired, good student, multi-vehicle, youthful driver, driver training, and renewal discount.
  • State Farm includes discounts for accident-free, defensive driving training, good student, student away at school, Drive Safe & Save, and passive restraint.
  • Allstate may include discounts for auto/life discount, utility vehicle, anti-theft, premier plus, and eSmart discount.
  • GEICO may offer discounts for anti-lock brakes, emergency military deployment, five-year accident-free, military active duty, and seat belt use.

Before buying, ask every insurance company how you can save money. Some of the discounts discussed earlier may not apply to policyholders in your area. For a list of providers with the best discounts, click here to view.

Switch companies and save? Really?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads have a common claim about savings after switching your policy. How do they all offer drivers better rates? It’s all in the words they use.

Most companies have a certain “appetite” for the right customer they prefer to insure. An example of a profitable customer may need to be between 30 and 50, is a homeowner, and has great credit. A propective insured that fits those parameters will probably get cheap rates and is almost guaranteed to cut their rates if they switch.

Insureds who do not fit these stringent criteria will get more expensive rates and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “all drivers who get quotes” save money. That is how insurance companies can confidently make those claims.

Because each company has a different risk profile, it is so important to do a rate comparison at every renewal. It’s impossible to know which insurance coverage company will have the best car insurance rates.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • How can I find cheaper teen driver insurance?
  • When should I drop full coverage on my 2002 Dodge Intrepid?
  • Is my nanny covered when driving my vehicle?
  • Does coverage extend to my business vehicle?
  • How much liability coverage do I need in my state?
  • Am I covered when using my vehicle for business?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Intrepid.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages

This coverage will cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, pain and suffering, medical expenses, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your Intrepid caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses such as ambulance fees, X-ray expenses and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

More quotes mean more savings

You just learned quite a bit of information on how to save on 2002 Dodge Intrepid insurance. It’s most important to understand that the more companies you get prices for, the higher your chance of finding cheaper auto insurance. Drivers may discover the lowest premium rates are with some of the lesser-known companies.

Some companies don’t offer online quoting and these smaller companies only sell coverage through local independent agencies. Discount 2002 Dodge Intrepid insurance is possible online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that they should have had better coverage. The goal is to buy enough coverage for the lowest cost.

Additional insurance coverage information can be found at these links: