Save on 1999 Dodge Stratus Car Insurance Rates

Trying to find better insurance coverage rates? Buyers have a choice when searching for the lowest priced Dodge Stratus insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons.

There is a better way to compare insurance coverage rates so we’re going to tell you the best way to get price quotes for a new or used Dodge and find the lowest possible price from local insurance agents and online providers.

You should take the time to price shop coverage occasionally since insurance prices change quite often. Even if you think you had the best quotes for Stratus coverage a few years ago you may be paying too much now. There is a lot of bad information regarding insurance coverage out there, but in this article, you’re going to get some great ideas on how to find affordable insurance coverage.

If you are insured now or need new coverage, you can use these tips to find better prices while maintaining coverages. This information will teach you how car insurance quotes work and some tips to save money. Drivers only need to know the proper methods to buy insurance coverage online.

Which auto insurance is cheapest?

There are multiple methods you can shop for auto insurance but there is one way that is easier and takes less work. You can waste a lot of time talking about coverages with agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

The majority of car insurance companies participate in a marketplace where prospective buyers complete one form, and each participating company returns a competitive quote based on that data. This saves time by eliminating quote requests to each individual auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to pricing coverage this way is you are unable to specify the providers you want to price. So if you want to select from a list of companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just try to use equivalent quote information for each price quote. If each company quotes different liability limits it will be impossible to make a fair rate comparison.

Find hidden discounts on auto insurance

Car insurance can cost a lot, but discounts can save money and there are some available that many consumers don’t even know exist. A few discounts will be applied when you purchase, but some may not be applied and must be manually applied in order for you to get them.

  • Discount for Good Grades – A discount for being a good student may save you up to 25%. The discount lasts until age 25.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy life insurance from them.
  • Accident Forgiveness – Not a discount per se, but certain companies will allow you to have one accident before your rates go up if your claims history is clear for a specific time period.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Data Collection Discounts – People who choose to allow companies to analyze driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they exhibit good driving behavior.

As is typical with insurance, some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous. But any discount should definitely cut your policy premiums.

To find auto insurance companies that have a full spectrum of discounts, click here.

Why informed consumers pay less for Dodge Stratus insurance

Many things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are more obscure such as your marital status or your vehicle rating.

  • Gender as a rate factor – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that females are better at driving than males. Males and females have auto accidents in similar numbers, but the men get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Use credit responsibly and save – Having a good credit rating is likely to be a major factor in determining what you pay for auto insurance. Consumers who have excellent credit tend to be more responsible than drivers who have lower credit scores. If your credit score could use some work, you could save money insuring your 1999 Dodge Stratus by improving your credit score.
  • Prevent theft and save – Driving a car with a theft deterrent system can save you some money. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.
  • Buy a safe car and pay less – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and fewer injuries means less claims paid and more competitive rates for policyholders. If your Dodge Stratus has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Job stress can make you pay more – Careers such as military personnelairline pilots and financial analysts generally have higher premium rates in part from intense work requirements and incredibly demanding work hours. Conversely, careers such as scientists, engineers and the unemployed pay the least for Stratus coverage.
  • Raising coverage deductibles lowers costs – Physical damage insurance, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some coverage claims could be a broken windshield, hail damage, and having your car stolen. Your deductibles are the amount of money you are willing to pay if a claim is determined to be covered. The more damage repair cost the insured is willing to pay, the lower your rates will be for Stratus coverage.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you will benefit from professional help.

  • Does my car insurance cover rental cars?
  • How can I get high-risk coverage after a DUI?
  • Can I drive in Mexico and have coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need roadside assistance coverage?
  • Should I sign the liability waiver when renting a car?
  • How can I get my company to pay me more for my totalled car?
  • How do I file an SR-22 for a DUI in my state?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Well known brands might not be cheapest

Drivers can’t escape the ads for auto insurance savings by State Farm, Geico and Progressive. They all state the claim that you can save if you just switch your auto insurance policy to them.

How can each company lower your prices?

Auto insurance companies offer their best rates for the type of customer that will generate a profit. One example of this type of driver might be described as between the ages of 30 and 45, has no prior claims, and drives a lower-performance vehicle. Any driver that fits those parameters will probably get cheap premium rates and will also save when they switch companies.

Potential customers who are not a match for this ideal profile will see a higher rate and the customer buying from someone else. The ads say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. This is how insurance companies can confidently make it sound like they have such great car insurance rates.

That is why you need to compare rate quotes every year. Because you cannot predict which insurance companies will fit you best based on your risk profile.

Information about specific coverages

Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s 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. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

This coverage pays for damage to your Stratus resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, rolling your car, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like surgery, dental work, prosthetic devices, funeral costs and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability coverages

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, medical services, court costs, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but consider buying higher limits if possible.

Be Smart and Buy Smart

Throughout this article, we presented a lot of information how to compare 1999 Dodge Stratus insurance prices online. The key concept to understand is the more you quote insurance, the better your chances of lowering your rates. Consumers could even find that the best prices are with the least-expected company.

People who switch companies do it for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, high prices and poor customer service. No matter why you want to switch, finding a great new company is not as hard as you think.

When getting insurance quotes online, never reduce needed coverages to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

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