Cheap 1996 Dodge Intrepid Insurance Cost

Trying to find lower insurance rates for your Dodge Intrepid? Wish you could get out of an overpriced insurance policy? You’re preaching to the choir because many drivers feel the same as you.

Since you have so many choices, it is hard for the average consumer to choose the lowest price insurance company.

How to buy car insurance online

When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The easiest way to comparison shop consists of shopping online. This can be done in a couple minutes as outlined below.

  1. The most efficient method to get quotes is a comparison rater form like this one (opens in new window). This style of form keeps you from doing multiple quote forms for each company you want a rate for. One form will get you rate comparisons from several companies.
  2. A slightly less efficient method to get comparison quotes is spending the time to visit each individual company website and fill out a new quote form. For examples sake, we’ll assume you want to see prices from Allstate, Safeco and Travelers. To do that, you would have to go to each individual site and type in your information over and over, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, make sure you use the same coverage limits and deductibles on every price quote you get. If you compare different limits and deductibles on each one then you won’t be able to truly determine the lowest rate. Just slight variations in insurance coverages can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes helps you find lower pricing. Some smaller insurers to not give price estimates online, so you should also compare price quotes from them, too.

More affordable rates by applying discounts

Insurance can be prohibitively expensive, but you may qualify for discounts that may help make it more affordable. Certain discounts will be applied at the time of quoting, but some need to be asked for prior to getting the savings.

  • Claim-Free Discount – Insureds who avoid accidents and claims get the best car insurance rates in comparison with accident-prone drivers.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new model year vehicles are generally safer.
  • Discount for Life Insurance – Car insurance companies who offer life insurance give a discount if you purchase a life policy as well.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as Allstate, State Farm and GEICO will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks simply for signing on the internet.
  • Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Air Bags and Passive Restraints – Factory options such as air bags can qualify for discounts of 25 to 30%.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.

The best car insurance companies and some of the premium reductions they offer are shown below.

  • GEICO offers premium reductions for multi-policy, anti-lock brakes, membership and employees, good student, defensive driver, and daytime running lights.
  • Mercury Insurance offers discounts for multi-policy, location of vehicle, professional/association, ease of repair, and low natural disaster claims.
  • Farmers Insurance policyholders can earn discounts including mature driver, early shopping, pay in full, teen driver, bundle discounts, good student, and alternative fuel.
  • Auto-Owners Insurance has discounts for safe driver, multi-policy, multiple vehicles, paperless, good student, and mature driver.
  • Liberty Mutual includes discounts for teen driver discount, multi-car, multi-policy, exclusive group savings, newly married, and safety features.
  • SAFECO has savings for drive less, anti-theft, teen safety rewards, homeowner, and multi-car.
  • Progressive may include discounts for homeowner, online quote discount, continuous coverage, multi-vehicle, online signing, and good student.
  • USAA may have discounts that include good student, multi-vehicle, multi-policy, annual mileage, and defensive driver.

Double check with each company or agent the best way to save money. Discounts may not apply everywhere. To choose insurance companies with discount car insurance rates, click here to view.

Your car insurance coverage should be tailored to you

When choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help you determine if you might need an agent’s assistance.

  • Do I have coverage when making deliveries for my home business?
  • What is PIP insurance?
  • Does my car insurance cover rental cars?
  • Do I need replacement cost coverage on my 1996 Dodge Intrepid?
  • Do I need added coverage for expensive stereo equipment?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

What determines Dodge Intrepid insurance prices?

A large part of saving on insurance coverage is knowing the rating factors that come into play when calculating the rates you pay for insurance coverage. If you know what determines premiums, this allows you to make educated decisions that may result in lower premium levels.

  • Multiple policies with one company can save – Most larger companies allow better rates to customers who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount consumers should still get quotes from other companies to help guarantee you have the best rates.
  • Vehicles with better crash test results means lower insurance coverage rates – Safer cars cost less to insure. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.
  • Bad credit hurts insurance premiums – A driver’s credit history can be an important factor in determining what you pay. If your credit history leaves room for improvement, you could be paying less to insure your 1996 Dodge Intrepid by repairing your credit. Consumers who have very good credit scores tend to be better drivers and file fewer claims than those with lower ratings.
  • Vocation and insurance prices – Did you know your insurance coverage rates can be affected by your occupation? Careers like lawyers, business owners and financial analysts generally have higher premiums than the average policyholder because of intense work requirements and lots of time spent away from family. On the other hand, jobs like actors, students and homemakers receive lower rates for Intrepid coverage.

Insurance advertising tricks

Big name companies like Progressive, Allstate and GEICO regularly use television, radio, and online ads. All the ads make an identical promise of big savings after switching your policy. How does every company charge less that you’re paying now? It’s all in the numbers.

Insurance providers offer their best rates for the right customer that will most likely be profitable. For instance, this type of insured might be a mature driver, has no driving citations, and drives a vehicle with a low ISO rating. Any person who meets those qualifications is entitled to the best price and therefore will save money with a new company.

People who are not a match for these stringent criteria will get higher premiums and business not being written. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” save money. That’s the way companies can truthfully make the claims of big savings.

Because each company has a different risk profile, drivers should get a wide range of price quotes. It is impossible to guess with any certainty which company will provide the lowest rates.

Coverage specifics

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, dental work, funeral costs and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

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

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. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as medical services, funeral expenses, court costs and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since 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 a good idea. Normally these coverages do not exceed the liability coverage limits.

Comprehensive protection – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, hitting a deer and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision coverage covers damage to your Intrepid resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Smart shoppers get results

When shopping online for insurance, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to buy the best coverage you can find at the lowest possible cost.

Budget-friendly insurance is possible both online as well as from insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers work with independent insurance agencies.

More detailed insurance information is available at these sites: