Compare 2001 Dodge Intrepid Car Insurance Quotes

Want the cheapest insurance coverage rates for your Dodge Intrepid? Finding cheaper insurance coverage could be hard for drivers who have little experience quoting and comparing prices online. Drivers have so many options available that it can be a challenge to find the perfect company for you.

It’s a good habit to do price comparisons quite often because prices are adjusted regularly by insurance companies. Just because you had the best price for Intrepid insurance six months ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage online but we’re going to give you the best ways to buy insurance coverage cheaper.

How to get car insurance rate quotes

There are several ways you can shop for car insurance but there is one way that is less time-consuming than others. You could spend your day talking about coverages with insurance companies in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company can give them a price for coverage. This system prevents you from having to do form submissions to each company.

To access this free quoting program, click to open in new window.

The one disadvantage to getting quotes like this is you cannot specify the providers to get pricing from. So if you want to select specific providers to compare rates, we have assembled a list of car insurance companies in your area. Click here to view list.

Whichever way you use, make absolute certain that you use identical coverage information for every company. If the quotes have different limits and deductibles on each one you will not be able to determine which company has the best rates. Slightly different coverages may result in a large different in cost. And when comparison shopping, quoting more increases the change that you will find a better price. Not every company allows you to get online rate quotes, so it’s recommended that you also compare rates from them as well.

The insurance coverage bait and switch

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all seem to convey the message about savings if you switch to their company. How do they all lower your premium rates?

Most companies look for specific characteristics for the right customer that will add to their bottom line. One example of a profitable insured may be between the ages of 30 and 50, carries high limits, and chooses high deductibles. Any new insured who matches that profile will get a cheap rate quote and will save money with a new company.

Insureds who fall outside the “perfect” profile will see a higher rate and the customer buying from someone else. The trick is to say “drivers who switch” not “all people who quote” save that kind of money. That’s the way insurance companies can make claims that they all have the best premium rates. This really drives home the point why it is so important to compare rate quotes every year. It’s just not possible to know which insurance coverage company will have the best car insurance rates.

How your Intrepid insurance premiums are determined

It’s important that you understand a few of the rating criteria that are used to determine auto insurance rates. When you understand what determines premiums, this enables you to make decisions that could help you find lower rates.

The list below includes some of the most common factors companies use to determine your rates.

  • Premiums for men may be higher – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Males and females have auto accidents at about the same rate, but the males cause more damage. Men also tend to receive more costly citations like reckless driving and DUI.
  • Teenage drivers are expensive to insure – Teenage drivers are proven to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Parents adding a youthful driver to your policy can cause a big jump in price. More experienced drivers are proven to be safer behind the wheel, tend to file fewer claims .
  • Fewer miles means better costs – The more you drive your Dodge annually the more you will pay for auto insurance. Many insurance companies price each vehicle’s coverage based upon how much you drive. Cars that have low annual miles receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Intrepid is throwing money out the window. Verify your declarations sheet reflects the correct usage for each vehicle.
  • Your address can influence price – Choosing to live in small towns and rural areas is a positive aspect when buying auto insurance. Urban drivers have traffic congestion and longer commutes to work. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates.
  • Liability insurance risk factors in – Liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Insurance Discounts

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even know about. Some discounts will apply when you purchase, but a few must be specifically requested before they will apply.

  • Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
  • Cautious Drivers – Drivers who avoid accidents may save up to 50% more for Intrepid insurance as compared to drivers with claims.
  • Paper-free Discount – A few larger online companies will give you a small discount shop insurance coverage on the web.
  • No Claim Discounts – Insureds with no claims or accidents get the best insurance rates when compared with drivers with a long claim history.
  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.
  • Discounts for New Vehicles – Buying a new car model can save you some money since new model year vehicles are generally safer.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will definitely lower your overall bill.

A few popular companies and a partial list of their discounts include:

  • Farm Bureau offers premium reductions for driver training, renewal discount, youthful driver, multi-policy, and 55 and retired.
  • State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, accident-free, safe vehicle, multiple autos, good student, and student away at school.
  • Progressive may have discounts that include continuous coverage, multi-policy, online signing, homeowner, online quote discount, and good student.
  • Allstate offers discounts for FullPay discount, premier plus, good student, anti-lock brakes, and senior citizen.
  • Nationwide may include discounts for business or organization, family plan, defensive driving, easy pay, and anti-theft.
  • MetLife may offer discounts for claim-free, multi-policy, accident-free, good student, and defensive driver.

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some credits may not be available in your area. To choose insurers who offer discounts, click here to view.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Is business property covered if stolen from my car?
  • Is pleasure use cheaper than using my 2001 Dodge Intrepid to commute?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I pay less for low miles?
  • Do I benefit by insuring my home with the same company?
  • How much liability do I need to cover my assets?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if my car is in a flood?
  • Does liability extend to a camper or trailer?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Coverage specifics

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage, a broken windshield, hitting a deer and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This covers damage to your Intrepid from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like nursing services, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability – Liability coverage provides protection from damage or injury you incur to other people or property 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, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like loss of income, pain and suffering and legal defense fees. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Dodge Intrepid.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Don’t break the bank

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced collision coverage and discovered at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

We just presented quite a bit of information on how to get a better price on 2001 Dodge Intrepid insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the most savings is with some of the lesser-known companies.

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, poor customer service or even policy cancellation. It doesn’t matter what your reason, finding a new insurance company can be easy and end up saving you some money.

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