Compare 2003 Dodge Stratus Insurance Quotes

Looking for better insurance coverage rates for your Dodge Stratus? Trying to come up with a payment for high-priced insurance coverage can dry up your budget and force you to tighten up your finances. Comparing price quotes can help to lower your bills every month.

Drivers have multiple auto insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to locate the cheapest rates.

It’s smart to quote other rates every six months because prices are usually higher with each renewal. Even if you got the lowest rates for Stratus insurance on your last policy the chances are good that you can find a lower rate quote today. You can find a lot of wrong information about insurance coverage online, but in just a couple of minutes you can learn the easiest ways to lower your insurance coverage premiums.

Finding the best rates is not rocket science. Essentially every driver who shops for auto insurance will be able to reduce their rates. But vehicle owners do need to understand how insurance companies price online insurance and take advantage of how the system works.

Cheap car insurance rates with discounts

Companies offering auto insurance don’t always advertise every discount they offer very well, so we researched some of the more common in addition to some of the lesser obvious credits available to you.

  • Save over 55 – Drivers that qualify as senior citizens can get lower premium rates for Stratus insurance.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Save with More Vehicles Insured – Insuring multiple cars with the same car insurance company can reduce rates for all insured vehicles.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
  • Discount for Home Ownership – Just owning your own home can help you save on car insurance because of the fact that having a home means you have a higher level of financial diligence.
  • College Student – Kids who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
  • Organization Discounts – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your policy.
  • Paperwork-free – Certain larger companies will give a small break for buying your policy on the internet.
  • Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% for Stratus insurance depending on your car insurance provider.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

Some of the insurance companies that may offer quotes with some of the discounts shown above include:

It’s a good idea to ask each insurance company how you can save money. Depending on the company, some discounts may not be available in your area. If you would like to see a list of providers with discount car insurance rates, click here.

The quickest way to compare rate quotes is to realize almost all companies will pay a fee to provide you with free rate quotes. All you need to do is give them some information like your credit rating estimate, types of safety features, how much education you have, and whether or not you need a SR-22. The data is submitted instantly to many highly-rated insurers and they return quotes almost instantly.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining whether you will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I put collision coverage on all my vehicles?
  • Can I still get insurance after a DUI?
  • Is my Dodge Stratus covered if I use it for business?
  • Should I waive the damage coverage when renting a car?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking 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.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Auto liability insurance – This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, medical expenses, medical services and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision coverage pays for damage to your Stratus resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, hitting a mailbox, rolling your car, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, prosthetic devices, surgery, rehabilitation expenses and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Stratus.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, damage from flooding and a broken windshield. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Power to the consumer

When trying to cut insurance costs, never buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

We’ve covered many ways to shop for 2003 Dodge Stratus insurance online. The key concept to understand is the more you quote insurance coverage, the better chance you’ll have of finding inexpensive insurance coverage. Drivers may discover the biggest savings come from a small local company. Regional companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Much more information about car insurance can be found on the following sites: