2006 Dodge Stratus Insurance Rates

Looking for better auto insurance rates for your Dodge Stratus? Searching for the lowest price auto insurance can be rather difficult for vehicle owners not familiar with comparison shopping over the internet. With dozens of companies competing online, how can drivers have a chance to compare the different rates to find better auto insurance prices?

Consumers need to quote other rates periodically because insurance prices trend upward over time. If you had the best rate on Stratus insurance a few years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to reduce your cost while improving coverage.

Buying car insurance is not that difficult. If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. But consumers do need to understand how big insurance companies compete online and use this information to your advantage.

The best way we recommend to compare insurance rates in your area is to realize most larger insurance companies pay for the opportunity to compare their rates. The one thing you need to do is provide the companies a bit of rating information like whether your vehicle is owned or leased, your job, the year, make and model of vehicles, and if your license is active. That rating data is instantly sent to multiple car insurance providers and they return quotes quickly.

If you wish to get multiple quotes for your Dodge Stratus now, click here and find out if lower rates are available.

Use discounts on insurance coverage

Some insurers do not list all possible discounts in an easy-to-find place, so the list below gives a summary of some of the best known as well as the least known credits available to bring down your rates.

  • Home Ownership Discount – Just owning your own home may trigger a policy discount on insurance coverage because of the fact that having a home requires personal responsibility.
  • Drive Safe and Save – Accident-free drivers can save up to 40% or more on their insurance quote on Stratus insurance than their less cautious counterparts.
  • Auto/Life Discount – Insurance coverage companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote in comparison with bad drivers.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn nearly 15% which can help you find affordable insurance.

Discounts lower rates, but some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you can get free auto insurance, nobody gets a free ride.

Some of the larger companies who might offer most of these discounts are:

If you want low cost insurance quotes, ask every insurance company which discounts can lower your rates. All car insurance discounts may not be offered in your area. For a list of providers that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need higher collision deductibles?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my custom paint covered by insurance?
  • Does my 2006 Dodge Stratus qualify for pleasure use?
  • Should I put collision coverage on all my vehicles?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Seven tips to get cheaper insurance costs

Consumers need to have an understanding of some of the elements that go into determining the level of your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that can earn you lower rates. Many different elements are used in the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are less obvious like your continuous coverage or how safe your car is.

The factors shown below are just a few of the factors utilized by car insurance companies to help set rates.

  • Lower insurance rates with alarms and GPS tracking – Owning a car with a theft deterrent system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
  • Better drivers have lower costs – A bad driving record impacts premiums far more than you think. Drivers with clean records get better prices compared to drivers with tickets. Having just one moving violation can increase the cost of insurance substantially. Drivers who have gotten license-revoking citations such as DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Low deductibles cost more – Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your Dodge. Some instances where coverage would apply could be collision with another vehicle, hitting a deer, or theft. Your deductibles state the amount of money you are willing to pay before your insurance pays a claim. The larger the amount the insured is willing to pay, the bigger discount you will receive on Stratus insurance.
  • How your age affects costs – Teen drivers are known to be careless and easily distracted when driving and because of this, their insurance rates are much higher. Adding a beginning driver to your insurance policy can cause a big jump in price. Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • Rate your vehicle for proper use – The higher the miles on your Dodge each year the higher your rates will be. A lot of companies apply a rate based on how the vehicle is used. Cars not used for work or commuting receive lower rates than those used for commuting. Make sure your vehicle rating shows how each vehicle is driven, because improper ratings can cost you money. Incorrect rating for your Stratus can cost quite a bit.
  • Don’t cancel your policy without a new one in place – Driving without insurance coverage in place is illegal and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license.
  • Having a spouse reduces risk – Your spouse helps lower the price on your insurance policy. Having a spouse usually means you are more financially stable and insurance companies reward insureds because drivers who are married are more cautious.

Car insurance coverages and their meanings

Having a good grasp of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like prosthetic devices, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, medical services, funeral expenses, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision coverage pays for damage to your Stratus caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, scraping a guard rail, damaging your car on a curb, driving through your garage door and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Stratus.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

In the end, you save

We just covered some good ideas how you can save on 2006 Dodge Stratus insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.

Some insurance providers may not have online price quotes and these regional carriers sell through independent agents. Cost effective 2006 Dodge Stratus insurance can be sourced both online and with local insurance agents, so you should compare both to have the best rate selection.

When searching for affordable insurance quotes, it’s very important that you do not buy less coverage just to save a little money. Too many times, drivers have reduced physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

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