Cheap 2000 Dodge Intrepid Insurance Quotes

Purchasing budget-priced auto insurance online may be challenging for consumers that are relatively new to online price comparisons. With such a big selection of agents and companies competing online, how are consumers able to have the ability to compare every auto insurance company to find better prices?

The purpose of this post is to instruct you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you should be able to save some money using these techniques. But drivers must comprehend the methods companies use to determine prices.

The best way we recommend to get policy rate comparisons utilizes the fact most insurance companies have advanced systems to provide you with free rate quotes. To begin a comparison, all you need to do is give them some information like the year, make and model of vehicles, if you went to college, whether you drive to work or school, and if it has an anti-theft system. That rating information is automatically sent to many highly-rated insurers and you should receive rate quotes instantly to find the best rate.

If you would like to start a quote now, click here and enter your zip code.

Auto insurance companies offer money-saving discounts

Companies offering auto insurance don’t list every disount available very clearly, so we took the time to find a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Claim-Free Discount – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Switch and Save Discount – Select auto insurance companies give a discount for switching to them before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Theft Deterent – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge can qualify you for lower prices due to less chance of an accident.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you may reduce your total bill.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will lower your overall premium however.

If you would like to choose from a list of providers who offer auto insurance discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Does insurance cover tools stolen from my truck?
  • Should I rate my 2000 Dodge Intrepid as pleasure use or commute?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I missing any policy discounts?
  • How much liability do I need to cover my assets?
  • Is my state a no-fault state?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I not file a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Smart consumers can cut their insurance premiums

Many things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but some are less apparent such as your credit history and annual miles driven.

The following are some of the factors used by insurance companies to determine your prices.

  • Gender as a rate factor – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Males and females get in at-fault accidents at a similar rate, but the male of the species tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI). Males from age 16 to 21 have the highest risk to insure and therefore pay the highest rates.
  • Buy as much liability protection as you can afford – The liability coverage on your policy provides coverage when you are ruled to be at fault for damages from an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • High credit scores save money – An insured’s credit rating is a large factor in determining premium rates. Consumers who have excellent credit tend to be more responsible than those with poor credit. So if your credit is not that good, you could potentially save money when insuring your 2000 Dodge Intrepid by improving your credit score.
  • How many coverages with the same company – Many insurers apply lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even if you qualify for this discount already, it’s in your best interest to check prices from other companies to help ensure you have the lowest rates. You may still save even more by buying insurance from a different company.
  • Increase deductibles to save – Insurance for physical damage to your car, also called comprehensive and collision insurance, protects your Dodge from damage. A few examples of covered claims are collision with another vehicle, flood damage, and rolling your vehicle. The deductibles you choose are the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured is willing to pay, the lower your rates will be on Intrepid coverage.
  • Don’t abuse insurance claims – Insurance companies generally give most affordable rates to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Auto insurance is designed for claims that pose a financial burden.
  • Where you live – Living in a small town is a good thing when trying to find low car insurance rates. Lower population corresponds to lower accident rates as well as less vandalism and auto theft. City drivers have more road rage incidents and more time behind the wheel. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Five star IIHS safety rating saves money – Safe vehicles can get you lower premiums. Safe vehicles reduce injuries and lower injury rates translates directly to fewer claims and lower rates for you. If your Dodge Intrepid scored at minimum four stars on Safercar.gov you are probably receiving a discount.

Learn about insurance coverages for a 2000 Dodge Intrepid

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Intrepid.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for nursing services, hospital visits, dental work and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

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

Collision coverage protects against claims like sideswiping another vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for liability – This coverage provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, medical services, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

In any little way, save everyday

We covered many tips how you can get a better price on 2000 Dodge Intrepid insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheap car insurance. Drivers may discover the most savings is with a small mutual company.

When getting car insurance quotes online, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, poor customer service and denial of a claim. It doesn’t matter why you want to switch finding a new auto insurance company is less work than it seems.

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