1999 Dodge Intrepid Car Insurance Quotes – 10 Discounts for Cheaper Rates

Comparing and finding cheap rates for car insurance might be frustrating for drivers who are beginners to comparison shopping online. With literally dozens of insurance companies available, it can easily be a big hassle to find the lowest price.

It’s a great practice to compare rates once or twice a year because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price for Intrepid insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because it’s time to teach you how to use the internet to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Pricing more affordable protection is not that difficult. But consumers need to have an understanding of the way companies sell insurance online and take advantage of how the system works.

Do you qualify for discount auto insurance?

Some companies do not list every available discount in a way that’s easy to find, so we break down a few of the more common as well as the least known credits available to you.

  • Discount for Home Ownership – Being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home demonstrates responsibility.
  • Discounts for New Vehicles – Insuring a vehicle that is new is cheaper due to better safety requirements for newer models.
  • Drive Less and Save – Keeping the miles down on your Dodge can earn discounted auto insurancerates on garaged vehicles.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% for Intrepid insurance compared to rates paid by drivers with frequent claims.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
  • Passive Restraints and Air Bags – Options like air bags can qualify for discounts of up to 25% or more.
  • Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction for Intrepid insurance with select insurance companies.
  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
  • Save over 55 – If you’re over the age of 55, you may qualify for lower premium rates for Intrepid insurance.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To see insurance companies with the best discounts, follow this link.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I drive in Mexico and have coverage?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I hit a deer?
  • What can I do if my company won’t pay a claim?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Is there deception in advertising?

Respected companies like Allstate and Progressive constantly bombard you with television and radio advertisements. They all seem to convey the message that people will save if you move to their company. That’s great but how can every company charge less that you’re paying now? It’s all in how they say it.

Many companies have a preferred profile for the right customer that makes them money. An example of this type of driver might have to be between the ages of 30 and 50, has no claims, and does not commute to work. Someone that hits that “sweet spot” will get low prices and will most likely pay quite a bit less when switching companies.

Potential customers who do not match the ideal profile will see a more expensive rate which results in the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save that much money. That’s why companies can truthfully claim big savings.

Because of the profiling, you should compare as many free insurance coverage quotes as you can. It’s not possible to predict with any certainty which company will fit you best based on your risk profile.

Specific coverages for a Dodge Intrepid

Knowing the specifics of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive auto insurance – Comprehensive insurance will pay to fix 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 coverage pays for things like falling objects, a broken windshield and hitting a deer. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like hospital visits, EMT expenses, nursing services, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Intrepid.

Since a lot of 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 should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage – This coverage provides protection from damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, medical services, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Buy online or local, you save

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

We just presented many ideas to save on 1999 Dodge Intrepid insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from a smaller regional carrier.

People switch companies for a variety of reasons including extreme rates for teen drivers, delays in paying claims, not issuing a premium refund and high rates after DUI convictions. It doesn’t matter what your reason, finding a new company can be less work than you think.

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