High-priced auto insurance can stress out your budget and make it tough to pay other bills. Performing a price comparison is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.
Popular companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
If you currently have car insurance, you will be able to save some money using these methods. Choosing the best insurance company for you is not that difficult. But consumers should learn how companies market insurance on the web because it can help you find the best coverage.
Insurance is not an enjoyable expense, but companies offer discounts that you may not know about. Some discounts will apply when you purchase, but once in a while a discount must be asked about before they will apply.
A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, you’re out of luck.
Popular insurance companies and their offered discounts are:
If you want affordable insurance coverage quotes, ask each company or agent which discounts you may be entitled to. A few discounts might not be offered on policies everywhere.
To find low cost prices, there are a couple of ways to compare rate quotes from companies that offer car insurance in your state. The quickest method to find the cheapest Dodge Stratus insurance rates is to get quotes online. This is quite simple and can be completed in several different ways.
The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotes for every company. Just one form gets you price quotes direct from many companies.
A more difficult way to analyze rates requires you to visit each individual company website and fill out a new quote form. For sake of this example, let’s say you want comparison quotes from Allstate, Esurance and GEICO. In order to compare rates, you need to navigate to each company’s site and enter your policy data, which can get old fast.
For a list of links to companies insuring cars in your area, click here.
If you have time to kill, the last way to find lower rates is to waste gas driving to and from local insurance agencies. Comparing rates online eliminates the middleman unless you prefer the extra assistance that only an agent can give. Although, it is possible obtain prices from the web but buy the policy through an agent.
Which method you use is up to you, but ensure you’re using exactly the same information for every quote you compare. If you compare different values for each quote it will be impossible to determine the best price for your Dodge Stratus. Slightly different insurance coverages or limits may result in a large different in cost. And when quoting car insurance, remember that having more price comparisons helps you find a lower rate. Some companies don’t provide rate quotes online, so it’s important to also get quotes on coverage from those companies, too.
It’s important that you understand the different types of things that play a part in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that will entitle you to cheaper rates.
The factors shown below are some of the major factors companies use to determine rates.
When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you could use an agent’s help.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.
Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, fire damage and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for bills for funeral costs, pain medications and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a parking meter, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Liability auto insurance
Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability can pay for things such as court costs, structural damage and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.
While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are too many instances where someone dropped full coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.
Budget-conscious 2000 Dodge Stratus insurance can be bought on the web in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and most of the time these small insurance companies provide coverage only through independent agencies.
In this article, we presented some good ideas how you can lower your 2000 Dodge Stratus insurance car insurance rates. The key thing to remember is the more you quote insurance coverage, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.
For more information, take a look at the articles below: