How Much Does 1997 Dodge Intrepid Car Insurance Cost?

Want lower car insurance rates for your Dodge Intrepid? Are you regretting buying an underperforming, overpriced car insurance policy? Trust us when we tell you many drivers feel the same as you. Companies like Geico, 21st Century and Progressive all claim big savings with advertising and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

If you are insured now or need a new policy, you will benefit by learning to cut your premiums while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Consumers just need to understand the proper way to compare price quotes online.

The quickest way to compare car insurance company rates takes advantage of the fact most of the bigger providers will pay a fee to quote your coverage. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if it has an alarm system, how your vehicles are used, if the vehicle is leased, and if you’re married. That information is then submitted to insurance companies and you get price estimates with very little delay.

If you would like to compare rates now, click here and find out if you can get cheaper insurance.

Advertising myths

Consumers get pounded daily by advertisements that claim the lowest prices from companies such as State Farm, Geico and Progressive. They all seem to state the claim about savings if you move your policy.

How is it plausible that every one can make almost identical claims? Here is how they do it.

Companies have underwriting criteria for the driver that is profitable for them. A good example of a profitable customer may need to be between the ages of 40 and 55, has a clean driving record, and has a high credit rating. A propective insured that meets those criteria will most likely get cheap prices and is almost guaranteed to save when switching.

Drivers who don’t qualify for this stringent profile may receive higher prices with the end result being the customer buying from a different company. If you listen closely, the ads state “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can confidently advertise the savings.

Because of these techniques, you absolutely need to compare as many free car insurance quotes as you can. It is just not possible to predict which insurance companies will have the best prices.

Car Insurance Discounts

Insurance can be prohibitively expensive, but there may be some discounts that could help you make your next renewal payment. Some trigger automatically when you complete an application, but a few must be requested specifically before you will receive the discount.

  • Good Student Discount – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt may be able to save a few bucks off the medical payments premium.
  • Government Employee Discount – Simply working for the federal government could cut as much as 10% off on Intrepid insurance depending on your car insurance provider.
  • Bundle and Save – If you insure your home and vehicles and insure them with the same company you could save 10% to 20% off each policy.
  • Accident-Free Discounts – Drivers who stay claim-free can earn big discounts as opposed to bad drivers.
  • Safety Course Discount – Participating in a course teaching driver safety skills may get you a small discount if your company offers it.

Just know that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To see companies that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Should I put collision coverage on all my vehicles?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my dog or cat covered if injured in an accident?
  • How can I force my company to pay a claim?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance specifics

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, damage from flooding and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, attorney fees and funeral expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your Intrepid caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for dental work, pain medications, chiropractic care, EMT expenses and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Intrepid.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

The bottom line

Throughout this article, we presented quite a bit of information on how to compare 1997 Dodge Intrepid insurance rates online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest rates come from a small local company. They may cover specific market segments cheaper than the large multi-state companies such as Geico and State Farm.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. Your strategy should be to find the BEST coverage at the best possible price while still protecting your assets.

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