1998 Dodge Intrepid Car Insurance Cost

Want better insurance rates for your Dodge Intrepid? Getting affordable insurance can be rather challenging for people that are relatively new to buying their insurance online. With such a large number of online companies, how can anyone even start to compare every company in order to find cheaper insurance rates?

Smart consumers take time to get comparison quotes on a regular basis because insurance prices change quite often. Even if you think you had the best quotes on Intrepid coverage six months ago the chances are good that you can find a lower rate today. There is lot of inaccurate information about insurance on the internet, but you can learn a lot of great tips on how to find cheap insurance.

Low cost insurance quotes

When shopping for low cost insurance coverage quotes, there are a couple of ways of comparing price quotes from many different insurance companies. The quickest method to compare 1998 Dodge Intrepid insurance prices is simply to get online rate quotes. It’s really quite simple and can be done in several different ways.

One of the best ways to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating separate quote forms for every insurance company. One form submission gets insurance cost estimates direct from many companies. It’s definitely the quickest method.

A more difficult way to analyze rates is going to the website for every company you want to comare and repeat the quote process. For instance, let’s assume you want rates from State Farm, Esurance and Travelers. To get each rate you have to spend time going to each site individually and punch in your information repeatedly, which can get old fast.

To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverage limits with every price quote. If you have differing limits it will be next to impossible to make an equal comparison. Quoting even small variations in coverages can result in a big premium difference. And when price shopping your coverage, comparing more quotes gives you a better chance of getting lower pricing. Not every company does prices over the internet, so you also need to get price quotes from those companies as well.

Discounts for cheaper car insurance quotes

Companies offering auto insurance don’t always publicize the complete list of policy discounts very well, so the following list contains a few of the more well known in addition to some of the lesser obvious ways to save on car insurance.

• Include Life Insurance and Save – Larger insurance companies have a small discount if you purchase life insurance.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
• Military Rewards – Being deployed in the military may qualify for rate reductions.
• Drivers Education – Cut your cost by having your teen driver sucessfully take a drivers education course in school or through a local driver safety program.
• Distant Student Discount – Youth drivers who live away from home at college and don’t have a car can be insured at a reduced rate.

We need to note that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

A list of car insurance companies and their possible discounts are included below.

• State Farm offers discounts for Steer Clear safe driver discount, multiple autos, defensive driving training, multiple policy, good driver, and accident-free.
• Farmers Insurance discounts include multi-car, good student, electronic funds transfer, teen driver, homeowner, switch companies, and distant student.
• Progressive may offer discounts for multi-policy, good student, online quote discount, continuous coverage, online signing, and homeowner.
• Geico offers discounts including defensive driver, anti-theft, multi-vehicle, five-year accident-free, and daytime running lights.
• Auto-Owners Insurance may have discounts that include paperless, good student, anti-lock brakes, multi-policy, multiple vehicles, and teen driver.
• The Hartford has savings for defensive driver, driver training, bundle, anti-theft, and good student.
• Farm Bureau policyholders can earn discounts including youthful driver, good student, driver training, multi-vehicle, multi-policy, renewal discount, and 55 and retired.
• USAA may include discounts for vehicle storage, family discount, annual mileage, loyalty savings, and multi-vehicle.

Before you buy a policy, ask every insurance company how you can save money. Discounts may not apply to policyholders in your area. If you would like to view car insurance companies that offer some of these discounts, follow this link.

You may need specialized insurance coverage coverage

When buying the best insurance coverage coverage, there is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions can aid in determining if your situation will benefit from professional help.

• Do all my vehicles need collision coverage?
• Am I covered when driving a rental car?
• Am I covered if I break a side mirror?
• Does my policy pay for OEM or aftermarket parts?
• What is high-risk coverage and where do I buy it?
• Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, structural damage, funeral expenses, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for chiropractic care, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle, hail damage, a broken windshield and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Intrepid.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.