Cheap 1999 Dodge Intrepid Insurance Rates

Are you regretting buying overpriced auto insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive auto insurance.

With consumers having so many options, it can be impossible to locate the lowest price company.

It’s smart to price shop coverage yearly because auto insurance rates tend to go up over time. Even if you think you had the best premium rates on Intrepid coverage a year ago a different company probably has better prices today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.

How to compare insurance quotes

Most of the larger companies such as Progressive, Allstate and Geico allow consumers to get coverage price quotes online. Obtaining pricing is possible for anyone as you just type in into the form. Behind the scenes, the system pulls credit information and your driving record and quotes a price based on these and other factors. Quoting online streamlines rate comparisons, but the time required to go to many different websites and type in your information gets old quite quickly. Unfortunately, it is important to do this if you want to get a better rate.

There is a better way!

A more efficient way to lower your rates requires only one form that obtains quotes from more than one company. It saves time, requires much less work on your part, and makes rate comparisons much easier to do. After sending the form, your coverage is rated and you can select any of the quotes returned. If you find a better price you can click and sign and buy the new coverage. The whole process takes less than 15 minutes and can result in significant savings.

To save time and compare rates using this form now, click here and submit your coverage information. If you currently have coverage, we recommend you replicate the coverages identical to your current policy. This ensures you will have a rate comparison for exact coverage.

Discounts for cheaper car insurance rates

Companies offering auto insurance don’t always publicize all available discounts in an easy-to-find place, so the next list breaks down both well-publicized and also the lesser-known credits available to you. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • Safety Course Discount – Successfully completing a course in defensive driver can save you 5% or more if your company offers it.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of more than 20%.
  • Auto/Life Discount – Some car insurance companies give better car insurancerates if you take out some life insurance in addition to your auto policy.
  • Sign Early and Save – A few car insurance companies allow discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Multi-policy Discount – If you can combine your home and auto policy and place coverage with the same company you may save 10% to 20% off each policy.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on Intrepid coverage depending on your company.
  • One Accident Forgiven – Not really a discount, but some companies like Progressive and Allstate will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.

Remember that some credits don’t apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

If you would like to see a list of companies who offer online car insurance quotes, follow this link.

Dodge Intrepid insurance costs can be cheaper

When buying insurance coverage it’s important to understand a few of the rating criteria that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower insurance coverage prices. Many things are considered when premium rates are determined. A few of the factors are predictable such as your driving history, although some other factors are not quite as obvious such as your marital status or how financially stable you are.

  • Vocation reflects on insurance coverage rates – Did you know your career choice can influence rates? Occupations such as military generals, social workers and medical professionals are shown to have higher average rates because of high stress and lots of time spent away from family. On the other hand, careers such as professors, students and homemakers have lower than average premiums on Intrepid coverage.
  • Women tend to cost less – Over the last 30 years, statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. Females and males tend to get into auto accidents at about the same rate, but men have costlier accidents. Not only that, but men also get more serious tickets like DWI (DUI) or reckless driving.
  • Infrequent drivers can save – The more miles you rack up on your Dodge annually the more you will pay for insurance coverage. Almost all companies calculate prices based on how the vehicle is used. Autos not used for work or commuting get more affordable rates than those that get driven frequently. It’s a good idea to make sure your vehicle rating is showing the proper vehicle usage, because it can save money. An improperly rated Intrepid may be costing you.
  • Cheap prices for being claim-free – Auto insurance companies award lower rates to policyholders who are not frequent claim filers. If you file a lot of claims you can look forward to higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Tailor your auto insurance coverage to you

When buying coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out if your situation might need an agent’s assistance.

  • Who is covered when they drive my 1999 Dodge Intrepid?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to Mexico or Canada?
  • I have health insurance so do I need medical payments coverage?
  • Is my custom paint covered by insurance?
  • Exactly who is provided coverage by my policy?
  • Where can I get insurance after a DUI in my state?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Insurance coverages 101

Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Intrepid.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for pain medications, ambulance fees and surgery. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird, damage from flooding, fire damage and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This coverage pays for damage to your Intrepid caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, damaging your car on a curb, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability

This coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, medical expenses, funeral expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Do the work, save more money

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. Too many times, someone sacrificed full coverage to discover at claim time they didn’t purchase enough coverage. Your goal is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

Lower-priced insurance coverage can be purchased on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don’t offer rate quotes online and usually these regional insurance providers sell through independent agencies.

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