View 1994 Dodge Intrepid Insurance Rates

Want the cheapest insurance rates for your Dodge Intrepid? Saving money on insurance might be frustrating for people who have little experience comparison shopping online. With dozens of insurance companies available, it can easily become a lot of work to compare prices.

Don’t overlook these auto insurance discounts

Auto insurance is not cheap nor is it fun to buy but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but less common discounts must be specifically requested before they will apply. If you aren’t receiving every discount available, you are throwing money away.

• Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt could save 15% off the PIP or medical payment premium.
• Responsible Driver Discounts – Drivers without accidents can save as much as half off their rates on Intrepid coverage than less cautious drivers.
• Drive Less and Save – Driving fewer miles may allow you to get cheaper prices.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Federal Employees – Active or retired federal employment may reduce rates when you quote insurance coverage on Intrepid coverage depending on your auto insurance provider.
• College Student Discount – Any of your kids who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
• Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for completing your application on their website.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

If you would like to choose from a list of companies that offer multiple discounts, click this link.

How to get the cheapest auto insurance

To find the cheapest insurance coverage quotes, there are several ways to compare quotes from many auto insurance companies in your state. One of the best ways to do a complete rate comparison is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

• The first (and easiest) way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quote forms for each company. Completing one form will get you rate comparisons from many national carriers. It’s definitely the quickest method.
• A less efficient way to get comparison quotes is spending the time to visit the website for each individual company to complete a price quote. For sake of this example, we’ll pretend you want to compare prices for Progressive, 21st Century and American Family. You would be required to visit each site and punch in your information repeatedly, which is not fast way to get rate quotes.

  To view a list of companies in your area, click here.

• The least efficient and most time consuming way to get price estimates is to spend your day driving to all the different insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you require the advice and guidance that can only be provided by a licensed insurance agent. It is possible to compare online quotes but have your policy serviced through an agent.

However you get your quotes, try to use apples-to-apples coverages and limits for each quote you get. If you have different data it will be nearly impossible to determine the best price for your Dodge Intrepid. Having just a slight variation in limits can mean a large discrepancy in price. Just keep in mind that comparing more rates from different companies will improve the odds of getting a lower rate. Not every company does price estimates online, so it’s important to also get rates from the smaller companies as well.

When to get professional advice

When buying the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions may help highlight whether you might need an agent’s assistance.

• Is other people’s property covered if stolen from my vehicle?
• Is business property covered if stolen from my car?
• Is my teen driver covered when they drive my company car?
• Should I bundle my homeowners policy with my auto?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are my tools covered if they get stolen from my vehicle?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision – Collision insurance will pay to fix damage to your Intrepid from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance – Liability insurance provides protection from damage that occurs to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, legal defense fees, medical expenses and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses such as surgery, X-ray expenses, nursing services and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

More effort can pay off

When you buy insurance coverage online, it’s very important that you do not reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at a price you can afford.

People leave their current company for any number of reasons including high prices, questionable increases in premium, not issuing a premium refund or even delays in responding to claim requests. It doesn’t matter why you want to switch switching insurance coverage companies can be less work than you think.

You just learned many tips how you can shop for 1994 Dodge Intrepid insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies.

Helpful resources

• Distracted Driving Statistics (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)
• Older Driver Statistics (Insurance Information Insitute)