2000 Dodge Stratus Insurance Cost

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.

Discounts for affordable insurance rates

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.

  • New Car Discount – Buying a new car instead of a used car can save up to 30% since newer vehicles have better safety ratings.
  • First Accident Forgiveness – Not really a discount, but some companies like Progressive, State Farm and GEICO permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • E-sign – A handful of insurance companies will give you a small discount get insurance coverage on the web.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted insurancerates on garaged vehicles.
  • Telematics Discount – Insureds that choose to allow driving data submission to spy on vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as they are good drivers.
  • Good Students Pay Less – Getting good grades may save you up to 25%. Earning this discount can benefit you until age 25.
  • College Student Discount – Kids living away from home attending college and do not have access to a covered vehicle could get you a discount.

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:

  • The Hartford may have discounts that include air bag, driver training, vehicle fuel type, anti-theft, and defensive driver.
  • American Family policyholders can earn discounts including TimeAway discount, good student, air bags, good driver, Steer into Savings, and multi-vehicle.
  • Progressive has savings for online signing, multi-vehicle, online quote discount, homeowner, continuous coverage, good student, and multi-policy.
  • Travelers offers discounts for IntelliDrive, home ownership, payment discounts, new car, early quote, and save driver.
  • Farmers Insurance offers discounts including multi-car, alternative fuel, distant student, good student, youthful driver, and pay in full.
  • USAA has discounts for defensive driver, new vehicle, good student, driver training, and vehicle storage.
  • Liberty Mutual offers premium reductions for teen driver discount, hybrid vehicle, newly married, multi-car, and safety features.

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.

How to get free car insurance quotes online

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.

Lower the price of insurance coverage with these tips

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.

  • Insurance rates in urban areas – Being located in small towns and rural areas is a good thing when shopping for auto insurance. Fewer drivers on the road means less chance of accidents in addition to lower liability claims Drivers who live in large cities regularly have congested traffic and higher rates of accident claims. More time commuting means more chances of being involved in an auto accident.
  • Lower comp and collision deductibles cost more – Physical damage insurance, aka comp and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered would be collision with another vehicle, hitting a deer, and burglary. Physical damage deductibles define the amount you are required to spend if a claim is determined to be covered. The more the insured has to pay upfront, the less money you will pay for insurance coverage for Stratus insurance.
  • Responsible drivers pay better prices – A bad driving record impacts premiums far more than you think. Getting just one moving violation may cause rates to rise forty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers who have dangerous violations like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.
  • Annual miles is a factor – The higher the miles on your Dodge each year the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based upon how much you drive. Cars and trucks that sit idle most of the time can be on a lower rate level than cars that get driven a lot. Improper usage on your Stratus is throwing money out the window. It’s always a good idea to double check that your vehicle rating shows the correct usage, because it can save money.
  • Safety ratings are a factor – Cars with five star safety ratings get lower rates. Safe vehicles have better occupant injury protection and lower rates of occupant injuries translates directly to fewer claims and thus lower rates. If your Dodge has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
  • How many coverages with the same company – Many insurance coverage companies will award better rates for people who carry more than one policy. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to comparison shop to help guarantee you have the best rates.There is a good possibility that you can save more without the discount by buying insurance coverage from a different company.

Tailor your insurance coverage coverage to you

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.

  • Does car insurance cover theft of personal property?
  • What is PIP insurance?
  • Am I covered if I hit a deer?
  • When should I buy a commercial auto policy?
  • Does coverage extend to Mexico or Canada?
  • Will my rates increase for filing one claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does coverage extend to my business vehicle?

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

Car insurance specifics

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

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

Collision insurance

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.

Compare but don’t skimp

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.

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