Finding cheaper auto insurance by quoting online saves time, is easy to do, plus you can save money. The key to finding lower rates is to get as many rate quotes as possible so you can compare every possible rate.
Finding the best direct price on auto insurance can be difficult if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. Reducing your Stratus insurance cost is a fairly straight forward process. All that's required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.
Car insurance premiums for a Dodge Stratus can fluctuate considerably and are calculated by many factors. Including but not limited to:
An additional factor which can affect Stratus insurance quotes is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the costs to repair may result in higher rates. But more recent Dodge vehicles may have safety features including dual-stage airbags, sideview assist mirrors, and active head restraints which may provide discounts that lower premiums.
To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.
Liability coverages
This will cover damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as high a limit as you can afford.
Collision coverage protection
This will pay to fix damage to your Dodge caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Stratus collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.
Comprehensive coverages
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.
How Much are Dodge Stratus Insurance Rates?