2003 Dodge Stratus Car Insurance Cost

Searching for better insurance coverage rates? Consumers have lots of choices when looking for the lowest priced Dodge Stratus insurance. You can either spend your time calling around to compare prices or save time using the internet to find the lowest rates. There are both good and bad ways to buy insurance coverage so you’re going to learn the proper way to get price quotes for your Dodge and locate the lowest possible price either online or from local insurance agents.

You should make it a habit to get comparison quotes yearly because prices change regularly. Even if you think you had the best price on Stratus coverage on your last policy there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to learn how to use the internet to find better rates and still maintain coverage.

If you are insured now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. This information will help you learn the best way to quote coverages and some tricks to saving. Consumers just need to know the best way to find the lowest price on the web.

Get cheaper car insurance with discounts

Companies that sell car insurance don’t list the complete list of policy discounts in a way that’s easy to find, so the next list breaks down some of the best known as well as some of the hidden discounts that may be available.

  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and can earn a small discount on your policy.
  • Bundle and Save – When you have multiple policies with the same company you will save nearly 15% which can help you find low cost car insurance.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Multiple Cars – Buying a policy with more than one vehicle on the same car insurance policy can reduce the rates for all insured vehicles.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
  • Claim Free – Drivers who stay claim-free pay less as compared to drivers who are more careless.
  • Student Discounts – Excelling in school may save you up to 25%. The good student discount can last up to age 25.

A little note about advertised discounts, some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you could get a free car insurance policy, nobody gets a free ride.

Larger car insurance companies and their possible discounts can be found below.

  • Progressive policyholders can earn discounts including continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
  • The Hartford may have discounts that include anti-theft, good student, vehicle fuel type, air bag, bundle, and driver training.
  • Mercury Insurance offers discounts for good driver, age of vehicle, type of vehicle, multi-policy, multi-car, anti-theft, and low natural disaster claims.
  • GEICO has discounts for defensive driver, daytime running lights, membership and employees, driver training, good student, anti-theft, and multi-policy.
  • AAA includes discounts for anti-theft, education and occupation, good driver, good student, and pay-in-full.
  • State Farm may include discounts for passive restraint, Steer Clear safe driver discount, safe vehicle, driver’s education, good student, multiple autos, and good driver.

If you are trying to find affordable car insurance quotes, ask every prospective company which discounts you qualify for. Some credits might not be offered on policies everywhere. To locate insurers with discount car insurance rates, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can help discover if you might need an agent’s assistance.

  • When should I remove comp and collision on my 2003 Dodge Stratus?
  • When can my company non-renew my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • How can I force my company to pay a claim?
  • Where can I find DUI or SR-22 insurance?
  • How much liability coverage do I need in my state?
  • Should I carry comprehensive and collision coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Ads can be misleading

Drivers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all seem to make the promise that drivers will save a bundle just by switching to them.

How is it possible that every company can charge you a lower premium? Here is the trick they use.

Most companies quote the lowest rates for the driver they prefer to insure. An example of a profitable customer may be over the age of 40, carries full coverage, and drives newer vehicles. Anyone who meets those qualifications receive the lowest rate quotes and will also save a lot of money.

Insureds who don’t measure up to this ideal profile may be required to pay more expensive rates which results in business going elsewhere. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can make those claims. This really drives home the point why you absolutely need to compare quotes as often as possible. Because you cannot predict which car insurance company will give you lower auto insurance rates than your current company.

Coverages available on your policy

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage pay for expenses for things like chiropractic care, pain medications, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay


This coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as structural damage, medical expenses, court costs and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your Stratus resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, hitting a parking meter, colliding with a tree, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your 2003 Dodge Stratus.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, rock chips in glass and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Never pay more for less

When you buy car insurance online, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an insured dropped collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Drivers change insurance companies for many reasons like unfair underwriting practices, denial of a claim, policy non-renewal and even not issuing a premium refund. No matter why you want to switch, switching companies is actually quite simple.

Low-cost 2003 Dodge Stratus insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer rates over the internet and these smaller companies prefer to sell through independent insurance agencies.

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