2001 Dodge Stratus Insurance Quotes – 6 Tricks for Cheaper Rates

Are you drained from sacrificing other expenses to insure your Dodge every month? Your situation is no different than many other vehicle owners. Many insurers compete to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute best rate

It is always a good idea to price shop coverage as often as possible because auto insurance prices change frequently. Even if you got the lowest rates on Stratus insurance last year you can probably find a lower rate today. There is lot of inaccurate information about auto insurance online, but we’re going to give you some of the best techniques to find affordable auto insurance.

Compare free auto insurance quotes

All major auto insurance companies like Progressive, Geico, Allstate and State Farm give pricing online. Obtaining pricing doesn’t take much effort because it’s just a matter of typing in into the form. When the form is submitted, their quoting system orders your credit score and driving record and returns a price. Online quotes makes it easy to compare insurance prices but having to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you want to get better auto insurance pricing.

There is an easier way to compare rates

The smarter way to locate the lowest prices makes use of a single form that analyzes rates from several companies at one time. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. After your information is entered, it is quoted with multiple companies and you can pick your choice of the pricing results. If a lower price is quoted, you can click and sign and buy the policy. It takes less than 15 minutes and may result in a nice savings.

If you want to compare rates now, click here to open in new window and enter your information. To compare your current rates, we recommend you type in the insurance coverages as shown on your current policy. Using the same limits helps guarantee you will have a rate comparison for similar insurance coverage.

Pay discount rates these six money-saving discounts

Some companies don’t always list all available discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find credits that you can use to lower your rates.

Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
Professional Memberships – Joining a qualifying organization could trigger savings when getting a car insurance quote.
Smart Student Discounts – Being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
Student in College – Children who are attending college and do not take a car to college may be able to be covered for less.
Save over 55 – Older drivers can get a discount up to 10% on Stratus insurance.
Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could save 15% off the personal injury premium cost.

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

Companies that may offer quotes with most of the discounts above possibly include:

If you need low cost car insurance quotes, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts might not be offered on policies in your area. To view companies with significant discounts, click here to view.

Do I need special coverages?

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

Why do I only qualify for high-risk insurance?
Do I need added coverage for expensive stereo equipment?
Does my policy cover my teen driver if they drive my company car?
Is pleasure use cheaper than using my 2001 Dodge Stratus to commute?
Do I need an umbrella policy?
How many claims can I have before being cancelled?
Can I get a multi-policy discount for packaging my home and auto coverage?
When should I buy a commercial auto policy?
Am I getting all the discounts available?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance specifics

Knowing the specifics of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Stratus.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, pain medications and EMT expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance covers damage to your Stratus from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a broken windshield, damage from flooding, hitting a deer and a tree branch falling on your vehicle. 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 dropping full coverage.

Liability insurance

This can cover damage or injury you incur to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like court costs, attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.