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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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: