View 1995 Dodge Stratus Car Insurance Quotes

Trying to find the cheapest insurance for a new or used Dodge Stratus can normally be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to buy insurance coverage and you need to know the absolute fastest way to price shop coverage on a Dodge and locate the lowest possible price either online or from local insurance agents.

Free auto insurance quotes

Many insurance companies allow consumers to get prices on their websites. Doing online price comparisons can be done by anyone as you simply type in the coverages you want into the form. When the form is submitted, the system automatically retrieves your credit score and driving record and quotes a price based on the information you submitted.

Online price estimates makes it simple to compare prices but having to visit each company’s website and repetitively type in your information can be a bit repetitive. But it’s also necessary to do this in order to find better prices.

There is an easier way to compare rates

A better way to find cheaper rates requires only one form that analyzes rates from more than one company. It’s a real time-saver, requires less work, and makes online quotes much more enjoyable. As soon as the form is sent, it is rated and you can select any or none of the price quotes you receive.

If you find a better price you simply finish the application and buy the policy. The whole process takes less than 15 minutes and can result in significant savings.

To quickly get comparison pricing now, click here and submit the form. If you currently have coverage, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This makes sure you will have comparison quotes using the same coverage and limits.

Find discounts on auto insurance

Auto insurance companies do not list the entire discount list very clearly, so the list below contains both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online.

• Multiple Policy Discount – If you insure your home and vehicles with one company they may give you a discount of over 10 percent off each policy depending on the company.
• New Car Discount – Buying a new car instead of a used car can save up to 30% because newer vehicles keep occupants safer.
• Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Senior Discount – Drivers that qualify as senior citizens can get a discount up to 10% on Stratus insurance.
• Anti-lock Brake System – Cars that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

Drivers should understand that most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will cut your overall bill.

A list of companies and some of their more popular discounts can be read below.

• Farm Bureau has savings for safe driver, 55 and retired, multi-vehicle, renewal discount, youthful driver, multi-policy, and driver training.
• MetLife may have discounts that include claim-free, defensive driver, good driver, good student, multi-policy, accident-free
• Progressive offers discounts including continuous coverage, online signing, good student, online quote discount, homeowner, multi-policy, and multi-vehicle.
• AAA has discounts for education and occupation, anti-theft, AAA membership discount, good driver, multi-policy, and good student.
• American Family may include discounts for good student, multi-vehicle, good driver, defensive driver, Steer into Savings, TimeAway discount, and mySafetyValet.
• Geico offers premium reductions for federal employee, seat belt use, anti-theft, military active duty, and defensive driver.
• State Farm offers discounts for safe vehicle, Drive Safe & Save, accident-free, good student, good driver, and Steer Clear safe driver discount.

If you need affordable insurance coverage quotes, ask every prospective company what discounts are available to you. Some credits might not be offered on policies in your area. To view insurers with discount rates, click here.

Smart buyers can cut their insurance rates

Lots of things are considered when you quote your car insurance policy. Some are obvious such as your driving record, but other factors are more transparent like your continuous coverage and annual miles driven.A large part of saving on insurance coverage is knowing some of the elements that help calculate insurance coverage rates. When consumers understand what impacts premium levels, this allows you to make good choices that can help you get lower insurance coverage prices.

• Premiums are lower the older you get – Older people are viewed as being more responsible, cause fewer claims and accidents , and are generally more financially stable.Drivers with little experience have been known to be less responsible when driving with friends and because of this, their insurance coverage rates are much higher.
• Traffic violations cost more than a fine – Even one speeding ticket or other violation can increase the cost of insurance to the point where it’s not affordable. Drivers with clean records pay less for auto insurance as compared to careless drivers. Drivers who have gotten careless tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.
• How do annual miles impact prices? – The more you drive your Dodge each year the more you’ll pay to insure it. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage get more affordable rates compared to those used for work or business. An improperly rated Stratus can result in significantly higher rates. Double check that your insurance coverage policy states how each vehicle is driven.
• File insurance coverage claims and pay more – If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Car insurance companies generally give most affordable rates to policyholders who are not frequent claim filers. Your car insurance is intended to be relied upon for larger claims.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions might help in determining whether or not you could use an agent’s help.

• Is pleasure use cheaper than using my 1995 Dodge Stratus to commute?
• Is a new car covered when I drive it off the dealer lot?
• Why do I only qualify for high-risk insurance?
• What is no-fault insurance?
• I have a DUI can I still get coverage?
• Is other people’s property covered if stolen from my vehicle?
• How does medical payments coverage work?
• When should I buy a commercial auto policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Beware of misleading insurance coverage ads

Drivers can’t get away from all the ads that promise big savings for switching by State Farm, Geico and Progressive. All the ads seem to make the promise that people will save if you switch to them.

How do they all offer drivers better rates? This is the way they can do it.

Insurance coverage companies have a preferred profile for the type of customer that will add to their bottom line. A good example of a preferred risk could be between the ages of 30 and 50, carries full coverage, and drives a lower-performance vehicle. Anybody who fits those characteristics will most likely get cheap car insurance rates and will also save a lot if they switch.

People who don’t meet these criteria will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much when switching. This is how insurance companies can confidently make claims that they all have the best car insurance rates.

Because of this risk profiling, you need to do a quote comparison often. It’s not possible to predict which insurance companies will have the best rates.

Detailed coverages of your auto insurance policy

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision – Collision insurance will pay to fix damage to your Stratus caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability – This can cover injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses, medical services and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Stratus.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, a broken windshield, damage from getting keyed and falling objects. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like surgery, rehabilitation expenses, EMT expenses and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Shop. Compare. Save.

The cheapest 1995 Dodge Stratus insurance can be purchased from both online companies as well as from insurance agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance coverage companies don’t offer price quotes online and these smaller providers only sell coverage through independent insurance agents.

Consumers switch companies for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, denial of a claim or high rates after DUI convictions. Regardless of your reason, switching companies can be less work than you think.

We’ve covered a lot of techniques to compare 1995 Dodge Stratus insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even discover the most savings is with a smaller regional carrier.

To read more, link through to the resources below:

• Top Signs Your Brakes are Giving Out (State Farm)
• Comprehensive Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)