Compare 1997 Dodge Stratus Insurance Quotes

No one anticipates paying for car insurance, especially when their premiums are too high. Drivers have multiple insurance companies to buy insurance from, and although it’s nice to have a selection, more options can take longer to find a good deal.

You should take the time to do price comparisons periodically since prices change regularly. Just because you had the lowest price on Stratus coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn how to use the internet to find great coverage at a great price.

Are you getting every discount?

Companies do not list the entire discount list in a way that’s easy to find, so the list below gives a summary of a few of the more well known as well as the least known savings tricks you should be using when you buy auto insurance online.

  • Save over 55 – Older drivers are able to get a small decrease in premiums on Stratus coverage.
  • Military Rewards – Having a deployed family member can result in better prices.
  • Bundled Policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of nearly 15% which can help you find the cheapest auto insurance.
  • Home Ownership Discount – Being a homeowner can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • Waiver for an Accident – but companies like Allstate and State Farm will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Defensive Driver Discounts – Passing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Driver’s Education for Students – Require your teen driver to enroll in driver’s education in school.

One thing to note about discounts is that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

A list of companies and the discounts they provide are:

  • Travelers has discounts for payment discounts, multi-car, continuous insurance, early quote, new car, and IntelliDrive.
  • 21st Century offers discounts including 55 and older, student driver, teen driver, homeowners, theft prevention, and air bags.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, driver’s education, passive restraint, multiple autos, good student, and defensive driving training.
  • Geico includes discounts for air bags, multi-vehicle, five-year accident-free, defensive driver, and military active duty.
  • SAFECO may offer discounts for accident prevention training, anti-lock brakes, safe driver, teen safety rewards, drive less, anti-theft, and multi-car.
  • AAA discounts include anti-theft, good driver, AAA membership discount, good student, education and occupation, and multi-policy.

When getting free auto insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Savings may not apply to policies in your area. To locate providers who offer cheap insurance coverage quotes, follow this link.

Which insurance is cheapest?

Performing a rate comparison is a ton of work if you aren’t aware of the most efficient way to do it. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company can give them a price for coverage. This saves time by eliminating repetitive form submissions for every insurance company.

To compare rates now click here to open in new window.

The only downside to using this type of system is that consumers can’t choose which insurance companies to get pricing from. If you wish to select specific insurance companies for rate comparison, we have a listing of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you compare exactly the same quote information with every price quote. If you enter different limits and deductibles on each one it’s not possible to determine the best price for your Dodge Stratus.

When in doubt talk to an agent

When it comes to buying adequate coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • How many claims can I have before being cancelled?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my insurance cover a custom paint job?
  • How much liability insurance is required?
  • If my 1997 Dodge Stratus is totaled, can I afford another vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short 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 coverages 101

Learning about specific coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Collision coverages – This coverage will pay to fix damage to your Stratus resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, hitting a mailbox, crashing into a building and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as chiropractic care, EMT expenses, rehabilitation expenses, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as structural damage, pain and suffering, attorney fees, funeral expenses and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, falling objects and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Final thoughts

You just learned many ways to shop for 1997 Dodge Stratus insurance online. The most important thing to understand is the more you quote auto insurance, the higher your chance of finding the cheapest auto insurance. You may even discover the lowest priced auto insurance comes from an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. In too many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

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