1996 Dodge Intrepid Car Insurance Quotes

Drivers have a choice when trying to find the lowest priced Dodge Intrepid insurance. You can either waste hours driving around to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to price shop coverage for a new or used Dodge and find the cheapest rates from both online companies and local agents.

It’s a good idea to get comparison quotes before your policy renews because insurance prices are rarely the same from one policy term to another. Even if you think you had the best rates on Intrepid coverage last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to find better rates and still maintain coverage.

Get lower-cost insurance rates by understanding these factors

It’s important that you understand some of the things that are used to determine your policy premiums. If you understand what impacts premium levels, this allows you to make educated decisions that may result in better insurance rates. Lots of things are part of the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, although some other factors are not as apparent such as your marital status or your commute time.

The items below are some of the factors used by insurance companies to determine your rates.

  • Single vs. married – Having a significant other may save some money on your insurance bill. Having a significant other may mean you are more stable financially and insurance companies like that married couples file fewer claims.
  • Poor credit history equals high costs – A driver’s credit history can be an important factor in calculating your insurance rates. If your credit rating leaves room for improvement, you may save money insuring your 1996 Dodge Intrepid by spending a little time repairing your credit. Drivers who have very good credit scores tend to be less risk to insure than drivers who have bad credit.
  • Do you save by driving less? – The higher the mileage driven annually the higher your rate. The majority of insurers charge rates based upon how you use the vehicle. Vehicles that have low annual miles qualify for better rates than those used for commuting. Having an incorrect usage rating on your Intrepid may be costing you. It’s a smart idea to ensure your policy reflects the correct driver usage, because it can save money.
  • Claim-free discounts can add up – Car insurance companies give lower rates to policyholders who only file infrequent claims. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended for major claims that would cause financial hardship.
  • Cheaper rates with high coverage deductibles – Physical damage deductibles are the amount of money you are required to pay if the claim is covered. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of covered claims would be a windshield broken by a bird, collision with a deer, and damage from wind. The more expense you are required to pay out-of-pocket, the less money you will pay for insurance on Intrepid coverage.
  • Safety first – Cars with high safety ratings tend to have better insurance rates. These vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
  • Your liability insurance limits – A critical coverage on your policy, liability insurance kicks in when you are found liable for an accident. This coverage provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
  • Advanced GPS tracking and theft deterrents – Owning a car with a theft deterrent system can get you a discount on your insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.

Car insurance discounts are available to cut your rates

Companies offering auto insurance don’t always publicize all available discounts in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known car insurance savings. If you aren’t receiving every discount available, you could be saving more on your car insurance.

  • Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease on Intrepid coverage depending on your company.
  • Own a Home and Save – Owning your own home or condo can get you a discount because owning a home shows financial diligence.
  • Responsible Drivers – Insureds without accidents can save as much as half off their rates on Intrepid coverage than less cautious drivers.
  • Military Deployment Discount – Being deployed with a military unit can result in better rates.
  • Braking Control Discount – Cars equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
  • Low Mileage – Low mileage vehicles could be rewarded with substantially lower prices.

Don’t be surprised that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. But all discounts should help lower the premium cost.

The best car insurance companies and a partial list of their discounts can be read below.

  • State Farm offers discounts including driver’s education, good student, multiple autos, accident-free, and student away at school.
  • Progressive discounts include homeowner, online quote discount, good student, online signing, continuous coverage, multi-policy, and multi-vehicle.
  • Travelers may have discounts that include multi-car, good student, continuous insurance, save driver, payment discounts, and new car.
  • American Family includes discounts for good driver, early bird, air bags, bundled insurance, mySafetyValet, TimeAway discount, and good student.
  • Liberty Mutual policyholders can earn discounts including new graduate, exclusive group savings, newly married, multi-car, multi-policy, and teen driver discount.

Check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. If you would like to see a list of companies with the best car insurance discounts, click this link.

Car insurance ads bend the truth

Consumers constantly see and hear ads that claim the best auto insurance rates from the likes of 21st Century, Allstate and State Farm. All the companies have a common claim that you’ll save big if you just switch your car insurance coverage to their company.

How is it possible that every company can give you a lower rate? Here is how they do it.

Many companies have an ideal profile for the type of customer that will add to their bottom line. An example of a driver they prefer might be described as over the age of 45, owns their home, and the vehicle is rated for pleasure use. A customer that hits that “sweet spot” receives the best premium rates and therefore will cut their rates if they switch.

Consumers who do not fit the requirements will be quoted higher rates which results in the customer buying from someone else. The trick is to say “customers who switch” not “everyone who quotes” save that much when switching. This is how insurance companies can confidently make it sound like they have such great auto insurance rates.

Different companies use different criteria so it is so important to get insurance coverage quotes as often as possible. It’s just not possible to know which insurance companies will give you lower rates than your current company.

Everyone needs different auto insurance coverages

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

For example, these questions can aid in determining if you would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if I crash into my own garage door?
  • Do I need added coverage for expensive stereo equipment?
  • Why do I need rental car insurance?
  • Are my friends covered when driving my car?
  • Do I need replacement cost coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Dodge Intrepid.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like bail bonds, medical services and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This coverage covers damage to your Intrepid resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses like funeral costs, dental work, surgery, X-ray expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a deer and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Find Good Coverage for Less

Lower-priced insurance is attainable online and from local agencies, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not have price quotes online and most of the time these regional insurance providers sell through local independent agencies.

We’ve covered a lot of information how to shop for 1996 Dodge Intrepid insurance online. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even find the lowest premium rates come from a small mutual company.

People leave their current company for a variety of reasons including poor customer service, being labeled a high risk driver, extreme rates for teen drivers or even lack of trust in their agent. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

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