Compare 1995 Dodge Stratus Insurance Quotes

Trying to find cheaper insurance rates for your Dodge Stratus? If you are new to getting insurance coverage quotes online, chances are good that you are bewildered thanks to the vast number local agents and online companies all claiming to have the lowest rates.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. The purpose of this post is to help you learn how to get online quotes and some money-saving tips. Nevertheless, car owners can benefit by having an understanding of the way companies compete online and take advantage of how the system works.

Insurance coverage discounts are available to slash your rates

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to reduce the price significantly. Some of these disounts will be visible at the time of quoting, but some may not be applied and must be requested specifically before being credited.

  • Defensive Driver Discounts – Passing a safe driver course can save you 5% or more and easily pay for the cost of the class.
  • Low Mileage Discounts – Low annual miles could be rewarded with lower premium rates due to less chance of an accident.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Organization Discounts – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount when getting a insurance coverage quote.
  • Waiver for an Accident – Not a discount per se, but a few companies such as Allstate, State Farm and Geico will allow you to have one accident before your rates go up so long as you are claim-free for a particular time prior to the accident.

Just know that most discount credits are not given the the whole policy. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will definitely reduce your premiums.

Insurance companies who may offer these money-saving discounts include:

When comparing rates, check with every prospective company which discounts can lower your rates. Some discounts may not apply in your state. To view insurance coverage companies with significant discounts, click here.

First Step: Get free auto insurance quotes

Most companies allow you to get prices on their websites. Doing online quotes is fairly straightforward as you just type in as detailed in the form. After you complete the form, the quote system gets your credit score and driving record and generates a price determined by many factors.

Quoting online makes it a lot easier to compare rates but the process of having to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to perform this step in order to find a lower rate.

A quicker way to locate the lowest prices is to use a quote form that obtains quotes from many companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you can select any of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To find out how much you’re overpaying now, click here and enter your information. If you have coverage now, it’s recommended you type in deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will have a fair comparison for similar insurance coverage.

Everyone needs different car insurance coverages

When buying the best car insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • Which is better, split liability limits or combined limits?
  • What is PIP insurance?
  • Is a blown tire covered by insurance?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance specifics

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Stratus.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for liability – This can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as funeral expenses, bail bonds, emergency aid, loss of income and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Stratus from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses for funeral costs, chiropractic care, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Spend less. Save more.

Consumers who switch companies do it for any number of reasons including high prices, lack of trust in their agent, policy non-renewal or extreme rates for teen drivers. Whatever your reason, switching insurance coverage companies can be easy and end up saving you some money.

In this article, we covered quite a bit of information on how to save on 1995 Dodge Stratus insurance. It’s most important to understand that the more you quote insurance coverage, the higher the chance of saving money. Drivers may discover the biggest savings come from a small local company.

The cheapest 1995 Dodge Stratus insurance is available on the web in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer price quotes online and most of the time these small, regional companies prefer to sell through independent insurance agents.

Additional detailed information can be found in the articles below: