1995 Dodge Stratus Insurance Rates – 8 Tips for Best Quotes

Drivers have lots of choices when trying to find the best price on Dodge Stratus insurance. You can either waste hours driving around to compare prices or save time using the internet to get rate quotes.

There are both good and bad ways to shop for insurance coverage and you need to know the absolute fastest way to quote coverages for a Dodge and locate the cheapest rates either online or from local insurance agents.

If you are insured now or need a new policy, you can follow these tips to find better prices and still get good coverage. The purpose of this article is to instruct you on how car insurance quotes work and some tips to save money. Drivers just need to learn the proper methods to compare price quotes on the web.

The quickest method we recommend to compare insurance rates from multiple companies utilizes the fact most insurance companies participate in a system to provide you with free rate quotes. All consumers are required to do is give them some information such as if a SR-22 is required, your credit rating estimate, your occupation, and how old drivers are. That rating information is sent automatically to multiple different insurance companies and you should receive rate quotes within a short period of time.

To check 1995 Dodge Stratus insurance prices now, click here and enter your coverage details.

Double check you’re getting these eight money-saving discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you complete an application, but some discounts are required to be manually applied prior to receiving the credit.

  • Save with More Vehicles Insured – Buying a policy with several vehicles with the same car insurance company can get a discount for every vehicle.
  • Life Insurance Discount – Larger insurance companies have a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of 20 to 30 percent.
  • Student Driver Training – Teen drivers should complete a driver education course if offered at their school.
  • Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction for Stratus insurance depending on your car insurance provider.
  • Telematics Data – Drivers who agree to allow driving data collection to track where and when they drive by installing a telematics device such as Progressive’s Snapshot may see discounts if their driving habits are good.
  • Own a Home and Save – Just owning your own home can save you money since owning and maintaining a home is proof that your finances are in order.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A list of companies and some of their more popular discounts are:

  • State Farm includes discounts for passive restraint, Steer Clear safe driver discount, driver’s education, good driver, and Drive Safe & Save.
  • GEICO offers discounts for driver training, military active duty, multi-vehicle, multi-policy, anti-lock brakes, anti-theft, and defensive driver.
  • Liberty Mutual offers premium reductions for hybrid vehicle, safety features, good student, new vehicle discount, teen driver discount, and preferred payment discount.
  • The Hartford discounts include driver training, air bag, defensive driver, vehicle fuel type, anti-theft, good student, and bundle.
  • MetLife policyholders can earn discounts including good student, claim-free, multi-policy, defensive driver, and good driver.
  • Progressive may include discounts for multi-vehicle, online quote discount, online signing, homeowner, continuous coverage, and multi-policy.

If you are trying to find cheap car insurance quotes, ask all companies you are considering what discounts are available to you. Some credits might not apply in your area.

Do I need special coverages?

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is motorclub coverage worth it?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I really need UM/UIM coverage?
  • When should I drop full coverage on my 1995 Dodge Stratus?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Be skeptical of insurance coverage ads

Consumers can’t get away from all the ads for insurance coverage savings by State Farm, GEICO and Progressive. They all make an identical promise about how much you will save if you move your insurance coverage policy to them.

How can each company say the same thing? Here is the trick they use.

Insurance providers give the best rates for the type of driver that will not have excessive claims. One example of a driver they prefer may be between 25 and 40, has no claims, and does not commute to work. Anyone that matches those criteria is entitled to the best price and have a good chance to save when they switch companies.

People who may not quite match the “perfect” profile may receive higher premium rates and this can result in business not being written. The trick companies use is to say “people who switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully advertise the savings.

This really illustrates why you absolutely need to get a wide range of price quotes. It is just not possible to predict with any certainty which company will have the lowest rates.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property 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.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, court costs and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, doctor visits and pain medications. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This covers 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 insurance covers claims such as hitting a bird, hail damage, theft, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

More effort can pay off

Lower-priced 1995 Dodge Stratus insurance is possible online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies do not provide rate quotes online and many times these regional insurance providers only sell coverage through independent agents.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that it was a big error on their part. Your goal should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

Drivers leave their current company for many reasons like policy cancellation, high prices, poor customer service or questionable increases in premium. Regardless of your reason for switching companies, switching companies is less work than it seems.

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