Cheap 2003 Dodge Intrepid Insurance Rates

Want lower insurance coverage rates for your Dodge Intrepid? Do you think you bought high-priced insurance coverage? You’re in good company because there are many consumers feeling the pinch from expensive insurance coverage. Popular companies such as Allstate and Progressive all claim big savings, bombarding you with advertising and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It’s a good habit to get comparison quotes before your next renewal because prices are adjusted regularly by insurance companies. Even if you got the lowest quotes for Intrepid coverage a couple years back you can probably find a lower rate today. Block out anything you think you know about insurance coverage because we’re going to show you one of the best ways to save on insurance coverage.

How much is insurance?

There are a lot of ways to compare insurance quotes, but some are less time-consuming than others. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize the internet to quickly compare rates.

Most of the best insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company returns a rated price based on that data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To compare rates using this form now click here to start a free quote.

The one disadvantage to using this type of form is buyers cannot specifically choose which companies to get pricing from. If you wish to select specific providers to compare prices, we have a listing of the cheapest insurance companies in your area. Click to view list.

However you get your quotes, compare equivalent quote information with every price quote. If you have different deductibles it will be next to impossible to find the best deal for your Dodge Intrepid.

Insurance policy discounts

Companies don’t always list the entire discount list very clearly, so the list below details both well-publicized and also the lesser-known credits that may apply to you.

Switch and Save Discount – Some insurance companies provide a discount for signing up before your current expiration date. You could save around 10% when you buy car insurance online.
Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company they may give you a discount of approximately 10% to 15%.
Professional Organizations – Participating in qualifying clubs or civic groups could earn you a nice discount on your bill.
Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
Accident-Free Discounts – Insureds who avoid accidents and claims pay less in comparison with frequent claim filers.
Low Miles Discount – Driving less could earn substantially lower rates.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

To find companies with discount rates, follow this link.

How do I know if I need professional advice?

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

When should I buy a commercial auto policy?
Am I covered when using my vehicle for business?
Are my tools covered if they get stolen from my vehicle?
How can I force my company to pay a claim?
How can I get high-risk coverage after a DUI?
When can I cancel my policy?
Can my teen drive my company car?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like hospital visits, pain medications, nursing services, dental work and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability insurance

Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like attorney fees, pain and suffering, bail bonds and loss of income. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, theft, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Intrepid caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.