1994 Dodge Intrepid Insurance Quotes

Trying to find better car insurance rates for your Dodge Intrepid? Searching for better insurance prices for your Dodge Intrepid could be an all-consuming task, but you can follow our car insurance buying tips to make it easier. There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to get price quotes for your Dodge and find the cheapest rates.

It’s smart to get comparison quotes occasionally because insurance prices trend upward over time. Just because you found the best rates for Intrepid insurance on your last policy you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because we’re going to show you how to use online quotes to find lower rates on car insurance.

First Step: Get free insurance quotes

Shopping for lower insurance rates can be a lot of work if you aren’t aware of the easiest way. You can waste hours driving to agents in your area, or you can stay home and use the internet to quickly compare rates.

Many popular insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company then gives them pricing determined by their information. This prevents consumers from doing repetitive form submissions to every company.

To find out what other companies charge click here (opens in new window).

The one disadvantage to comparing rates this way is that consumers can’t choose which companies to get quotes from. If you would rather choose individual companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just try to keep identical coverages on every quote. If your comparisons have different liability limits it will be very difficult to decipher which rate is best.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads for car insurance savings from companies such as Allstate, Geico and Progressive. They all try to convey promises that drivers will save a bundle if you get a free insurance coverage quote and switch to them.

How is it plausible that every one can give you a lower rate?

Different companies quote their best rates for the right customer that makes them money. An example of a profitable insured might be over the age of 50, has never had a claim, and drives a safe vehicle. Any person who matches that profile will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Insureds who don’t meet the “perfect” profile may be required to pay a higher rate and the customer not purchasing. Company advertisements say “people who switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can make it sound like they have such great premium rates. Because of these techniques, you really should compare free insurance coverage quotes often. It is just not possible to predict which car insurance company will have the best auto insurance rates.

More affordable rates with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can help lower your rates. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be specifically requested before being credited.

  • Early Switch Discount – A few insurance companies offer discounts for renewing your policy before your current expiration date. The savings is around 10%.
  • Student Discount for Driver Training – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Distant Student – Youth drivers who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Defensive Driver – Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Braking Control Discount – Cars with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Multi-policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of 10% to 20% off each policy.
  • Club Memberships – Joining a professional or civic organization could qualify you for a break when getting a insurance coverage quote.
  • Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
  • No Accidents – Drivers with accident-free driving histories pay less in comparison to frequent claim filers.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.

Companies and their possible discounts include:

  • State Farm includes discounts for accident-free, driver’s education, Steer Clear safe driver discount, multiple policy, passive restraint, anti-theft, and Drive Safe & Save.
  • American Family may offer discounts for multi-vehicle, TimeAway discount, Steer into Savings, good driver, good student, and air bags.
  • Geico offers discounts including anti-theft, daytime running lights, military active duty, anti-lock brakes, federal employee, and defensive driver.
  • 21st Century offers premium reductions for automatic seat belts, homeowners, theft prevention, defensive driver, student driver, and air bags.
  • Progressive offers discounts for homeowner, continuous coverage, online signing, multi-vehicle, and online quote discount.

If you are trying to find cheap insurance coverage quotes, ask all the companies how you can save money. Some discounts listed above may not be available in your area.

Auto insurance can be complex

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Is my ex-spouse still covered by my policy?
  • What is high-risk coverage and where do I buy it?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I insure my teen driver?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance policy coverages for a Dodge Intrepid

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, nursing services, hospital visits and dental work. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Intrepid.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, falling objects, hitting a deer, damage from getting keyed and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as court costs, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Quote often and quote early

Drivers leave their current company for a number of reasons such as policy non-renewal, unfair underwriting practices, an unsatisfactory settlement offer or even being labeled a high risk driver. Regardless of your reason, finding a great new company is actually quite simple.

Budget-friendly auto insurance is definitely available on the web in addition to many insurance agents, so get free insurance coverage quotes from both of them to get a complete price analysis. Some insurance companies do not offer rate quotes online and usually these smaller companies only sell coverage through independent agents.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many instances, an insured cut physical damage coverage and discovered at claim time that they should have had better coverage. The goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

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