Cheaper 1997 Dodge Stratus Insurance Quotes

If you’ve never shopped for insurance quotes online, you may be bewildered thanks to all the different types of companies that all promise to save you money.

Choosing the best insurance company for you is quite easy. Essentially every driver who shops for insurance will be able to lower their premiums. Nevertheless, consumers do need to know how insurance companies price online insurance.

Discounts for cheaper auto insurance quotes

Auto insurance is easily one of your largest bills, but there could be significant discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but some need to be specially asked for prior to getting the savings. If you are not receiving all the discounts you deserve, you could be paying more than you need to.

• Sign Early and Save – Some larger companies provide a discount for signing up before your current policy expires. The savings is around 10%.
• Homeowners Pay Less – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
• Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn substantially lower premium rates.
• Membership in Organizations – Belonging to a qualifying organization may earn a discount on your policy.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
• Telematics Data – Insureds who allow their insurance company to monitor driving manner by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.

Policy discounts save money, but some credits don’t apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way.

Large auto insurance companies and their possible discounts include:

• Progressive offers premium reductions for online quote discount, good student, homeowner, online signing, and multi-vehicle.
• SAFECO discounts include anti-lock brakes, accident prevention training, drive less, multi-car, homeowner, teen safety rewards, and teen safe driver.
• American Family may offer discounts for defensive driver, mySafetyValet, air bags, multi-vehicle, and Steer into Savings.
• MetLife includes discounts for good driver, good student, defensive driver, accident-free, and claim-free.
• Geico offers discounts including anti-lock brakes, military active duty, five-year accident-free, anti-theft, defensive driver, multi-policy, and emergency military deployment.
• The Hartford may include discounts for defensive driver, vehicle fuel type, bundle, good student, air bag, driver training, and anti-theft.

If you need the cheapest insurance quotes, ask every insurance company which discounts you qualify for. Some credits may not be offered in your area.

How to shop insurance coverage online

Many insurance companies such as State Farm, Allstate and Geico provide prices for coverage online. Comparing prices online is pretty easy as all you need to do is type in your required coverages on the page. After the form is submitted, the system automatically retrieves your credit score and driving record and returns pricing information based on many factors.

Online price quotes streamlines rate comparisons, but the process of having to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it is imperative to get many rate quotes if you want to find a better rate.

Keep reading for an easier way to compare prices

A more efficient way to lower your insurance coverage bill uses one form that gets price quotes from several different companies. It saves time, helps eliminate reptitive entry, and makes online price comparison much simpler. Once the form is submitted, it gets priced and you are able to buy any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and submit the form. To compare your current rates, we recommend that you enter coverages and limits just like they are on your policy. This way, you will receive an apples-to-apples comparison based on similar coverages.

You may need specialized insurance coverage

When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether your personal situation could use an agent’s help.

• Is my 1997 Dodge Stratus covered for smoke damage?
• Is my custom paint covered by insurance?
• Is my teen driver covered when they drive my company car?
• What is the rate difference between pleasure use and commuting?
• Is extra glass coverage worth it?
• How much liability do I need to cover my assets?
• Is borrowed equipment or tools covered if stolen or damaged?
• Can I drive in Mexico and have coverage?
• Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Specifics of your car insurance policy

Having a good grasp of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Stratus.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision insurance pays for damage to your Stratus resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, hospital visits, chiropractic care, EMT expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, damage from flooding, hitting a deer and fire damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like pain and suffering, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Don’t break the bank

Consumers change insurance companies for a variety of reasons including policy cancellation, delays in paying claims, high rates after DUI convictions and even policy non-renewal. Regardless of your reason, switching insurance coverage companies can be easy and end up saving you some money.

As you shop your coverage around, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits and learned later that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Budget-conscious 1997 Dodge Stratus insurance is available both online as well as from independent agents, so you need to shop insurance with both to have the best selection. Some companies may not offer online price quotes and usually these small insurance companies prefer to sell through independent agencies.

Additional detailed information can be found by following these links:

• Cellphones, Texting and Driving (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)