Cheap 1998 Dodge Intrepid Insurance Cost

Want better insurance rates for your Dodge Intrepid? Scraping up a payment for high-priced Dodge Intrepid insurance can bleed your family’s budget and make it hard to pay other bills. Doing a price comparison is recommended to make sure you’re not throwing money away.

Multiple car insurance companies compete for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest rate possible.

Buy car insurance online

Effectively comparing car insurance prices can be challenging if you don’t understand the best way to get rate quotes. You could waste a few hours driving to insurance agencies in your area, or you could use the internet to maximize your effort.

Many of the larger companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions for each company.

To compare pricing click here to open in new window.

The single downside to using this type of form is buyers cannot specifically choose which companies to receive prices from. So if you prefer to choose from a list of companies to compare prices, we put together a list of companies who write car insurance in your area. Click here to view list.

Whichever way you use, make sure you use identical coverage limits for every quote you compare. If your comparisons have higher or lower deductibles you can’t possibly decipher which rate is best. Even a minor difference in coverages may result in large price differences. It’s important to know that comparing more rates from different companies will increase your chances of finding a lower rate than you’re paying now.

Don’t overlook these auto insurance discounts

Some insurers do not list every possible discount very well, so the list below gives a summary of a few of the more common and the harder-to-find credits that you can use to lower your rates.

  • Drive Less and Save – Maintaining low annual mileage could earn lower prices due to less chance of an accident.
  • Safe Driver Discounts – Drivers without accidents may save up to 50% more for Intrepid insurance compared to rates paid by drivers with frequent claims.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Distant College Student Discount – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.
  • Sign Online – Some of the larger companies give back up to $50 just for signing your application on their website.
  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% because new model year vehicles keep occupants safer.
  • Discount for Multiple Policies – If you have multiple policies with one company you could get a discount of nearly 15% which can help you find inexpensive car insurance.

Remember that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.

Large auto insurance companies and their possible discounts are detailed below.

  • Progressive may have discounts that include multi-vehicle, online signing, good student, multi-policy, and online quote discount.
  • MetLife may offer discounts for defensive driver, good student, multi-policy, claim-free, good driver, and accident-free.
  • Mercury Insurance may include discounts for good driver, low natural disaster claims, good student, age of vehicle, type of vehicle, and multi-car.
  • Nationwide offers discounts for anti-theft, business or organization, Farm Bureau membership, multi-policy, and accident-free.
  • GEICO has discounts for good student, membership and employees, emergency military deployment, federal employee, and defensive driver.
  • AAA policyholders can earn discounts including multi-policy, AAA membership discount, anti-theft, education and occupation, pay-in-full, and good student.

When quoting, ask each company or agent which credits you are entitled to. Some discounts may not be offered in your state. To choose providers who offer discounts, follow this link.

When to get professional advice

When buying the best auto insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover whether or not you would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need rental car coverage?
  • I don’t drive much so do I pay less?
  • How many claims can I have before being cancelled?
  • What are the best liability limits?
  • Can I afford to buy a different vehicle if my 1998 Dodge Intrepid is totaled?
  • Exactly who is provided coverage by my policy?
  • Is my trailer covered?
  • Am I missing any policy discounts?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverage considerations

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like medical expenses, funeral expenses, loss of income, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, colliding with a tree, hitting a parking meter, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for EMT expenses, doctor visits, surgery and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Intrepid.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, fire damage, damage from getting keyed, hail damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.