View 1995 Dodge Intrepid Insurance Rates

Want better insurance rates for your Dodge Intrepid? Trying to find better insurance prices for your Dodge Intrepid can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to buy insurance and you need to know the best way to get price quotes on a Dodge and find the best price possible.

Compare insurance coverage rates

Getting a cheaper price on 1995 Dodge Intrepid insurance is pretty simple and can save money. You just need to spend a few minutes to compare rate quotes from different insurance companies. This can be done by using one of the methods below.

The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing multiple quote forms for every company. In just a few minutes this one form gets you price quotes from insurance coverage companies with the best prices. Just one form and you’re done.

A harder way to compare rate quotes consists of visiting each company’s website to request a price quote. For examples sake, we’ll assume you are doing a rate comparison from Auto-Owners, Farmers and State Farm. To do that, you would have to navigate to each company’s site and type in your information over and over, which can get rather old.

For a handy list of car insurance company links in your area, click here.

The last method to comparison shop is physically going to and from local insurance agencies. Comparing online rate quotes eliminates this option unless your situation requires the professional abilities of a local agency. It is possible to find lower rates online but have your policy serviced through an agent.

The method you choose is up to you, but try to use the same quote data on every price quote you get. If each company quotes different coverage information it’s impossible to make a fair comparison for your Dodge Intrepid.

Use discounts to get cheaper auto insurance quotes

Insurance can be prohibitively expensive, but you might find some hidden discounts that may help make it more affordable. Certain reductions will be credited when you complete an application, but lesser-known reductions have to be manually applied prior to getting the savings. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.

• Homeowners Savings – Just owning your own home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
• Good Grades Discount – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• No Charge for an Accident – Not necessarily a discount, but a few companies such as Progressive and Allstate will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
• Sign Early and Save – Some companies give discounts for switching companies before your current policy expires. You can save around 10% with this discount.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

Larger auto insurance companies and a selection of discounts are:

• State Farm offers premium reductions for multiple policy, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, good student, and accident-free.
• Geico policyholders can earn discounts including anti-lock brakes, daytime running lights, anti-theft, emergency military deployment, multi-vehicle, federal employee, and driver training.
• Progressive may offer discounts for multi-policy, homeowner, good student, multi-vehicle, and online quote discount.
• 21st Century may include discounts for early bird, automatic seat belts, student driver, homeowners, defensive driver, and good student.
• American Family has savings for TimeAway discount, air bags, defensive driver, good driver, and multi-vehicle.
• The Hartford has discounts for defensive driver, driver training, air bag, anti-theft, vehicle fuel type, and bundle.
• AAA includes discounts for good student, anti-theft, pay-in-full, good driver, multi-car, AAA membership discount, and education and occupation.

It’s a good idea to ask all the companies the best way to save money. Some discounts listed above may not apply to policyholders in your area. To see insurers with discount auto insurance rates, click here to view.

Insurance rate influencing factors

Part of the auto insurance buying process is learning some of the factors that play a part in calculating your policy premiums. When consumers understand what controls the rates you pay, this enables informed choices that could result in better auto insurance rates.

• Save money by raising comp and collision deductibles – Comp and collision deductibles state the amount of money you are willing to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are colliding with a stationary object, fire damage, or theft of your vehicle. The more of the claim the insured has to pay upfront, the less money you will pay for auto insurance for Intrepid insurance.
• Being married can save on auto insurance – Walking down the aisle may cut your premiums compared to being single. Having a spouse translates into being more responsible and insurance companies reward insureds because married couples file fewer claims.
• Rates increase with driving citations – How you drive has a big impact on rates. Having just one chargable violation can increase rates to the point where it’s not affordable. Careful drivers pay lower auto insurance prices as compared to those with violations. Drivers unfortunate enough to have license-revoking tickets such as reckless driving or DUI may need to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
• Low stress occupation equals lower prices – Did you know your job can affect your rates? Careers such as military personnelpolice officers and medical professionals have higher premium rates because of intense work-related stress and lengthy work days. Conversely, professions such as farmers, athletes and the unemployed have lower than average premiums for Intrepid insurance.
• Bad credit hurts insurance costs – Credit rating is likely to be a major factor in calculating your auto insurance rates. If your credit can use some improvement, you may save money insuring your 1995 Dodge Intrepid by improving your credit score. Drivers with good credit tend to be more responsible and file fewer claims than drivers with lower credit scores.
• File auto insurance claims and pay more – Car insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is meant to be used in the event of more catestrophic claims.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Do I need more liability coverage?
• What can I do if my company denied a claim?
• Do I need an umbrella policy?
• How much can I save by bundling my policies?
• When should my teen driver be added to my policy?
• Should I have a commercial auto policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance 101

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, scraping a guard rail, rolling your car, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things like bail bonds, structural damage, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Smart shoppers get results

When searching for cheaper auto insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced collision coverage only to regret that it was a big error on their part. Your goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Drivers leave their current company for many reasons like questionable increases in premium, unfair underwriting practices, an unsatisfactory settlement offer and delays in paying claims. It doesn’t matter what your reason, switching insurance coverage companies is not as difficult as it may seem.

We just presented many ideas to shop for 1995 Dodge Intrepid insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the most savings is with a smaller regional carrier.

To learn more, take a look at the resources below:

• Young Drivers: The High Risk Years Video (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)