Lower Your 1993 Dodge Intrepid Insurance Quotes

Want the cheapest insurance rates for your Dodge Intrepid? Do you get exhausted from sacrificing to buy insurance? You are no different than millions of other drivers.

Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a company to get the lowest price

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Finding the best rates is quite easy. But vehicle owners must comprehend the way companies price insurance differently because it can help you find the best coverage.

Lower your insurance costs

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that play a part in calculating your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find big savings. Many factors are part of the calculation when quoting car insurance. Most are fairly basic such as traffic violations, but some are less apparent such as your marital status or your vehicle rating.

  • Vehicle options that lower rates – Driving a car with a theft deterrent system can earn a premium discount. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
  • Cheaper to insure women? – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. They both cause fender benders in similar percentages, but males have accidents that have higher claims. Men also statistically get ticketed for serious violations such as reckless driving.
  • More annual miles equals more premium – Driving a lot of miles every year the higher your rate. A lot of companies calculate prices based upon how you use the vehicle. Cars that are left in the garage receive lower rates than cars that get driven a lot. Having an incorrect usage rating on your Intrepid can result in significantly higher rates. It’s always a good idea to double check that your auto insurance declarations sheet correctly shows the correct usage for each vehicle, because it can save money.
  • Do you need those extra policy coverages? – There are quite a few optional add-on coverages that you can get tricked into buying but may not be useful. Add-on coverages like roadside assistance, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment initially, but if you have no use for them remove them and pocket the money.
  • Improve your credit rating – Credit score factor in calculating your premium rate. So if your credit score is not that good, you could pay less to insure your 1993 Dodge Intrepid by improving your credit score. Insureds that have excellent credit scores tend to be more responsible than drivers with poor credit scores.
  • Low stress occupation equals lower auto insurance rates – Did you know that where you work can have an impact on rates? Occupations like lawyers, architects and stock brokers have higher premium rates attributed to intense work requirements and incredibly demanding work hours. On the flip side, professions such as scientists, students and homemakers get better rates for Intrepid insurance.
  • You might want pay the minor auto insurance claims yourself – If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Companies give lower rates to policyholders who do not file claims often. Insurance coverage is designed for more catestrophic claims.

Get affordable rates with these car insurance discounts

Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. Some trigger automatically when you quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Homeowners Discount – Owning your own home or condo can get you a discount due to the fact that maintaining a home shows financial diligence.
  • Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles on one policy could earn a price break for each car.
  • Telematics Data – Policyholders that allow their insurance company to analyze when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company they may give you a discount of up to 20% off your total premium.
  • Federal Government Employee – Active or retired federal employment could provide a small rate reduction for Intrepid insurance with a few car insurance companies.
  • ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Use Seat Belts – Requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.

If you would like to choose from a list of insurers that offer many of these discounts, follow this link.

Insurance coverage can get complicated

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • What is the ISO rating for a 1993 Dodge Intrepid?
  • I have a DUI can I still get coverage?
  • Do I need motorclub coverage?
  • Is my trailer covered?
  • Does coverage extend to Mexico or Canada?
  • Can my babysitter drive my car?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Specific coverages for a Dodge Intrepid

Understanding the coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like rehabilitation expenses, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Intrepid.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, court costs, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, a tree branch falling on your vehicle, hitting a deer, theft and vandalism. 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.

Collision coverage protection

This will pay to fix damage to your Intrepid caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, driving through your garage door, hitting a mailbox, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

And the best car insurance company is…

Discount 1993 Dodge Intrepid insurance is available online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide rates over the internet and many times these small, regional companies only sell coverage through local independent agents.

We covered quite a bit of information on how to shop for 1993 Dodge Intrepid insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting cheap car insurance. Drivers may discover the biggest savings come from some of the lesser-known companies. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, never skimp on coverage in order to save money. In too many instances, someone sacrificed liability limits or collision coverage and learned later they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

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