How Much Does 2001 Dodge Intrepid Insurance Cost?

Searching for better car insurance rates for your Dodge Intrepid? Paying for pricey Dodge Intrepid insurance can dry up your budget and force you to prioritize other expenses. Comparing rates annually is an excellent way to make ends meet.

Because there are so many choices of insurance companies, it is hard for the average consumer to choose the right insurance company.

Get cheaper auto insurance rates with discounts

Companies don’t necessarily list the complete list of policy discounts very well, so the list below details some of the best known in addition to some of the lesser obvious auto insurance savings.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
  • New Car Discount – Buying auto insurance coverage on a new vehicle is cheaper due to better safety requirements for new vehicles.
  • Membership in Organizations – Being in certain professional organizations can get you a small discount when getting a auto insurance quote.
  • Low Miles Discount – Driving fewer miles could earn lower rates on the low mileage vehicles.
  • Defensive Driver – Completing a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • No Claims – Drivers who don’t have accidents pay less as compared to bad drivers.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Own a Home and Save – Owning a house can help you save on auto insurance due to the fact that maintaining a home is proof of financial responsibility.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

A few popular companies and their possible discounts are:

  • American Family offers discounts for early bird, TimeAway discount, good driver, mySafetyValet, bundled insurance, Steer into Savings, and good student.
  • Nationwide may offer discounts for family plan, accident-free, anti-theft, good student, multi-policy, defensive driving, and business or organization.
  • MetLife may have discounts that include multi-policy, good student, claim-free, defensive driver, accident-free, good driver
  • 21st Century offers discounts including theft prevention, homeowners, good student, 55 and older, automatic seat belts, student driver, and driver training.
  • Farmers Insurance includes discounts for teen driver, homeowner, business and professional, mature driver, and youthful driver.
  • Allstate discounts include resident student, new car, good student, eSmart discount, defensive driver, EZ pay plan discount, and early signing.

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your area. To find insurance companies that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is other people’s property covered if stolen from my vehicle?
  • When should I buy a commercial auto policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my 2001 Dodge Intrepid covered for smoke damage?
  • Can I get a multi-policy discount?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your insurance policy

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, vandalism, damage from getting keyed and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, pain and suffering, legal defense fees, court costs and bail bonds. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for hospital visits, rehabilitation expenses, nursing services and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Auto collision coverage

Collision coverage covers damage to your Intrepid resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, driving through your garage door, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Final thoughts

When searching for inexpensive auto insurance quotes, you should never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of information how to shop for 2001 Dodge Intrepid insurance online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the best prices are with a small local company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

Cheaper car insurance is attainable online in addition to local insurance agencies, so you should compare both to have the best rate selection. There are still a few companies who may not have the ability to get a quote online and these regional insurance providers sell through local independent agents.

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