Feeling guilty for buying high-priced insurance? Don’t sweat it because many consumers are in the same pinch. Companies like State Farm, GEICO and Farmers Insurance constantly bombard you with advertising and consumers find it hard to see through the deception and find the best price available.
Effectively comparing insurance prices can be a daunting task if you don’t know the most efficient way. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get prices fast.
Most of the best insurance companies belong to an insurance system where insurance shoppers send in one quote, and every company can give them a price based on that data. This system prevents you from having to do repetitive form submissions to every company.
To submit your quote information now, click here to start a free quote.
The only drawback to doing it this way is you are unable to specify which insurance companies you want to price. If you wish to select specific providers to compare rates, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, ensure you are comparing apples-to-apples quote data on every quote. If you enter different liability limits it’s not possible to truly determine the lowest rate.
Companies do not list every discount in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous credits that may apply to you. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.
It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride.
Popular insurance companies and a partial list of their discounts are:
When quoting, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply in your area.
When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions might help in determining if your situation might need an agent’s assistance.
If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.
Collision coverage – This coverage covers damage to your Intrepid caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.
Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1997 Dodge Intrepid.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills such as chiropractic care, doctor visits, dental work, funeral costs and ambulance fees. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability insurance – This will cover damage or injury you incur to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability insurance covers claims such as bail bonds, structural damage, attorney fees, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
When you buy auto insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible for the lowest cost while still protecting your assets.
You just read a lot of ways to shop for 1997 Dodge Intrepid insurance online. The key concept to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. You may even discover the most savings is with a smaller regional carrier. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate or State Farm.
Additional insurance coverage information can be read below: