1996 Dodge Stratus Insurance Quotes – 8 Tips to Save

I can’t think of a single person who looks forward to paying for auto insurance, especially when the cost is too high.

Vehicle owners have many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, more choices can make it harder to compare rates and cut insurance costs.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Although vehicle owners should learn the methods companies use to sell online and apply this information to your search.

Use discounts on insurance coverage

Insurance coverage can be pricey, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but a few must be asked for prior to receiving the credit.

  • Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts could see savings of 20% or more.
  • Driver Safety – Passing a class that teaches defensive driver techniques could possibly earn you a 5% discount if you qualify.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Discounts for Multiple Vehicles – Buying a policy with all your vehicles on one policy may reduce the rate for each vehicle.
  • Discount for Life Insurance – If the company offers life insurance, you could get a lower insurance coverage rate if you buy a life insurance policy as well.
  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Seat Belt Usage – Requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive better insurance coverage rates on Stratus coverage.

Policy discounts save money, but most discounts do not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To see insurance companies who offer free insurance coverage quotes, click here to view.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Do I have newly-aquired coverage?
  • Am I covered by my spouse’s policy after a separation?
  • I have a DUI can I still get coverage?
  • Why does it cost so much to insure a teen driver?
  • What is PIP insurance?
  • Is business equipment covered while in my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for X-ray expenses, dental work and hospital visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Coverage for collisions

This coverage will pay to fix damage to your Stratus from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, driving through your garage door, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like bail bonds, medical expenses, medical services and court costs. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

At the end of the day…

In this article, we covered quite a bit of information on how to get a better price on 1996 Dodge Stratus insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier. They may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

Cheap 1996 Dodge Stratus insurance is possible both online in addition to local insurance agencies, so you need to quote car insurance with both to have the best selection. Some insurance providers don’t offer rate quotes online and many times these regional insurance providers work with local independent agencies.

When searching for cheaper car insurance quotes, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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