1993 Dodge Intrepid Insurance Quotes – 10 Policy Discounts

Trying to find lower car insurance rates for your Dodge Intrepid? Did a good deal turn into an expensive car insurance policy? Say no more because you’re not alone.

Due to the increasing number of different company options, it’s difficult to locate the most cost effective insurance company.

Shop insurance online

There are a lot of ways to compare insurance quotes, but some are less labor-intensive and much quicker. You could waste a few hours talking about coverages with insurance companies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

All the larger companies take part in a program where insurance shoppers submit one quote, and each company returns a rated price based on the submitted data. This saves time by eliminating form submissions to every company. To get comparison pricing now click here to start a free quote.

One minor caviat to using this type of system is that you can’t choose the insurers you want to price. So if you prefer to pick from a list of companies to compare prices, we have a page of low cost insurance companies in your area. Click to view list.

However you get your quotes, do your best to enter equivalent information on every quote. If you enter different coverage information it will be next to impossible to decipher which rate is best. Slightly different insurance coverages or limits may cause a big price difference. Just remember that quoting more increases the change that you will find the best offered rates. Not every company does online quotes, so you also need to get price quotes on coverage from those companies, too.

Do you qualify for discount car insurance?

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. Many discounts should be triggered at quote time, but some discounts are required to be specifically requested before you will receive the discount.

  • Discount for Good Grades – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Life Insurance Discount – Select car insurance companies reward you with a discounted price on car insurance if you buy life insurance.
  • Home Ownership Discount – Owning a home may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
  • Low Miles Discount – Low annual miles can earn cheaper prices.
  • Drivers Education – Teen drivers should sucessfully take a drivers education course if offered at their school.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Early Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Organization Discounts – Participating in certain professional organizations may earn a discount when getting a car insurance quote.
  • Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% for Intrepid insurance compared to accident prone drivers.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.

It’s important to understand that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you won’t be that lucky.

Large car insurance companies and some of the discounts are outlined below.

  • 21st Century offers premium reductions for early bird, student driver, driver training, air bags, and defensive driver.
  • Progressive discounts include multi-vehicle, good student, homeowner, online signing, and multi-policy.
  • State Farm policyholders can earn discounts including passive restraint, good student, multiple policy, accident-free, good driver, student away at school, and driver’s education.
  • Nationwide offers discounts including good student, family plan, defensive driving, multi-policy, and anti-theft.
  • Esurance offers discounts for homeowner, renters, paid-in-full, claim free, online shopper, and Switch & Save.
  • The Hartford may include discounts for vehicle fuel type, driver training, air bag, good student, defensive driver, anti-theft, and bundle.

When getting a coverage quote, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere. To view insurers with the best discounts, follow this link.

What insurance coverages do I need?

When it comes to choosing the best car insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need special endorsements for business use of my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving a rental car?
  • When should I drop full coverage on my 1993 Dodge Intrepid?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Drivers who switch save $385 a year? Really?

Companies like Allstate and Progressive regularly use television, radio, and online ads. They all say the same thing that people will save just by switching your insurance coverage to their company. How is it plausible that every one can charge lower premium rates? This is the trick they use.

Insurance providers have strict underwriting profiles for the type of customer that earns them a profit. One example of a profitable insured could be between the ages of 30 and 45, has no claims, and has great credit. Anybody who matches that profile is entitled to the best price and most likely will save when switching.

Insureds who do not meet the requirements may be required to pay more expensive rates and the customer not buying. If you listen closely, the ads state “customers who switch” not “everyone that quotes” save that much when switching. That is how insurance companies can make those statements.

Different companies use different criteria so you should get a wide range of price quotes. It’s just not possible to know which insurance companies will have the best premium rates at this point in time.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Collision – This coverage will pay to fix damage to your Intrepid from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, damaging your car on a curb, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, fire damage, hitting a deer and a broken windshield. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 1993 Dodge Intrepid.

Due to the fact that 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 a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, pain medications and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like court costs, pain and suffering, loss of income and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

More quotes mean more savings

You just read a lot of information how to compare 1993 Dodge Intrepid insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the most savings is with the least-expected company. Smaller companies often have lower car insurance rates on specific markets than their larger competitors like Allstate and Progressive.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

Much more information about auto insurance is located at the links below