Lower Your 1996 Dodge Intrepid Car Insurance Cost

Shopping for more affordable car insurance on the web may be intimidating for buying their car insurance on the internet. With such a big selection of agents and companies in the marketplace, how are drivers able to efficiently compare every car insurance company to find the lowest rates?

Get lower-cost insurance quotes with discounts

Not too many consumers would say insurance is affordable, but there may be some discounts that you may not even know about. Most are applied when you quote, but occassionally some discounts must be specifically requested before being credited.

• Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
• Life Insurance – Select companies reward you with a small discount if you purchase life insurance from them.
• Theft Deterent System – Cars that have factory anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.
• Homeowners Savings – Owning your own home or condo may trigger a policy discount on insurance because it is proof that your finances are in order.
• Discount for Multiple Policies – If you can bundle your auto and homeowners insurance and place coverage with the same company you could get a discount of up to 20% and get you inexpensive insurance coverage.
• No Accidents – Insureds with no claims or accidents get the best insurance rates in comparison with bad drivers.
• Discounts for Good Drivers – Drivers who don’t get into accidents may save up to 50% more on Intrepid insurance than drivers with accident claims.
• Good Grades Discount – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. Most companies allow this discount until age 25.

We need to note that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

If you would like to see a list of insurance companies that provide some of the discounts listed above, click here to view.

Compare insurance coverage price quotes online

To find affordable insurance coverage quotes, there are several ways to compare rate quotes from many insurance coverage companies in your state. The best way to find cheaper Dodge Intrepid rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

1. If you are pressed for time, the simplest way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating repetitive form entry to each individual insurance coverage company. A single form will return price quotes from all major companies. This is by far the quickest method.
2. A less efficient way to find better pricing requires a trip to each company website and fill out their own quote form. For example, we’ll pretend you want rates from Liberty Mutual, Esurance and American Family. To get each rate you have to go to each individual site to enter your coverage information, which can take a lot of time.

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

How you compare quotes is your choice, just ensure you are comparing the exact same information for each comparison quote. If you compare unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best. Just a small difference in insurance coverages could skew the results. And when comparison shopping, having more price comparisons helps improve the odds of finding more affordable rates. Not every company allows you to get online price quotes, so you also need to get price quotes from them, too.

Smart consumers can lower their insurance rates

It’s important that you understand the factors that help determine your insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with lower insurance prices. Many different elements are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving history, but others are less obvious such as whether you are married or your commute time.

• Alarm systems save money – Choosing to buy a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.
• Save money by eliminating extra policy coverages – Insurance policies have a lot of optional add-on coverages that you can get tricked into buying on your Intrepid policy. Add-on coverages like personal injury protection, towing coverage, and motor club memberships are examples of these. These coverages may sound good when discussing your needs, but if they’re wasting money remove them from your policy.
• Does your vocation cost you more? – Careers like judgesair traffic controllers and medical professionals are shown to have higher average rates because of high stress and lots of time spent away from family. Other professions such as professors, historians and the unemployed pay the least on Intrepid insurance.
• Annual mileage and car insurance rates – Driving more miles in a year’s time the more it will cost to insure it. A lot of companies calculate rates based on how the vehicle is used. Cars that have low annual miles qualify for better rates than those used for commuting. It’s a good idea to make sure your insurance coverage is rated on the right rating data. Having an incorrect usage rating on your Intrepid may be costing you.
• Know your vehicle’s NHTSA crash test rating – Vehicles with good safety scores cost less to insure. These vehicles have better occupant injury protection and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if you would benefit from an agent’s advice.

• Can my teen drive my company car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is rental equipment covered for theft or damage?
• Am I covered when pulling a rental trailer?
• What happens if I owe more than my 1996 Dodge Intrepid is worth?
• Does my policy cover me when driving someone else’s vehicle?
• How can I find cheaper teen driver insurance?
• Am I covered when using my vehicle for business?
• Is pleasure use cheaper than using my 1996 Dodge Intrepid to commute?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance specifics

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for EMT expenses, funeral costs, pain medications, X-ray expenses and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This coverage will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as structural damage, bail bonds, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Save for a rainy day

Throughout this article, we presented a lot of ways to save on 1996 Dodge Intrepid insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting inexpensive insurance coverage. You may even discover the best price on auto insurance is with a smaller regional carrier.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice full coverage only to discover later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

The cheapest 1996 Dodge Intrepid insurance can be bought from both online companies and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online quoting and most of the time these smaller providers sell through independent insurance agencies.

Additional detailed information can be found at these sites:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Crash Avoidance Technologies FAQ (iihs.org)