Cheap 1998 Dodge Intrepid Insurance Cost

Scraping up a payment for overpriced Dodge Intrepid insurance can eat up your checking account and force you to make sacrifices. Comparing rate quotes is a smart way to tighten up your finances.

With consumers having so many options, it can be impossible to choose the lowest cost insurance coverage provider.

Car insurance quotes comparison

When looking for cheap insurance quotes, there are a couple ways to get quotes from many different insurance companies. By far the easiest way to find cheaper 1998 Dodge Intrepid rates is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

  1. The best way to get quotes is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating separate forms to each individual car insurance company. Just one form gets insurance cost estimates from several companies.
  2. A more difficult way to get quotes online consists of going to the website for each individual company and request a quote. For examples sake, let’s assume you want to get rates from Liberty Mutual, 21st Century and State Farm. You would be required to spend time on each company’s site and repeatedly enter your information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming method to compare rates to each insurance agency near you. The ability to get quotes online eliminates the middleman unless you want the trained advice that only an agent can give. Although you can comparison shop your insurance online and have a local agent actually service the policy.

However you get your quotes, compare exactly the same coverage data on every price quote you get. If you use different values for each quote it will be very difficult to make a fair comparison for your Dodge Intrepid. Slightly different limits may cause a big price difference. Just remember that comparing more company’s prices helps increase your odds of locating more affordable insurance.

Discount insurance coverage rates

Buying insurance coverage is not cheap, but there could be available discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at quote time, but a few must be asked about prior to receiving the credit.

  • Low Mileage Discounts – Maintaining low annual mileage could qualify for lower rates due to less chance of an accident.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a insurance quote. This discount can apply up to age 25.
  • Memberships – Belonging to a qualifying organization may earn a discount on insurance coverage.
  • Active Service Discounts – Being on active duty in the military can result in better insurance coverage rates.
  • 55 and Retired – Mature drivers could receive reduced rates for Intrepid insurance.

As a footnote on discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.

To choose insurance coverage companies who offer discounts, follow this link.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine if your situation will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • How much liability coverage do I need in my state?
  • Do all my vehicles need collision coverage?
  • When would I need rental car insurance?
  • Is a fancy paint job covered?
  • Do I need roadside assistance coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Get more affordable insurance prices by understanding these factors

Lots of factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are more obscure like where you live or your commute time.Smart consumers have a good feel for some of the things that go into determining the rates you pay for insurance coverage. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower insurance coverage prices.

  • Occupation stress can make you pay more – Occupational choices like military generalsairline pilots and miners generally have the highest rates due to high stress and long work days. Conversely, jobs such as farmers, historians and performers receive lower rates for Intrepid insurance.
  • Location can influence price – Residing in areas with lower population is a positive aspect when trying to find low car insurance rates. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims People who live in big cities have more road rage incidents and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Liability coverage claims can be big – A critical coverage on your policy, liability insurance kicks in when a jury decides you are liable for an accident. It provides for a legal defense to attempt to prove you were not liable. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Multi-policy discounts can save money – Many companies give discounts for people that purchase more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to guarantee you are still saving the most. Consumers may save money by buying insurance coverage from a different company.
  • Never go without insurance coverage – Driving any period of time without insurance is against the law and your next policy will cost more because you let your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a steep fine or even jail time.
  • Get hitched and pay lower rates – Your spouse helps lower the price on your policy. Marriage is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.

Specific coverages for a 1998 Dodge Intrepid

Understanding the coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average car insurance policy.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover 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. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, repair costs for stationary objects, bail bonds and legal defense fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a bird, falling objects and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Intrepid.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for doctor visits, hospital visits, funeral costs, surgery and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Intrepid resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Cheaper insurance is a realistic goal

When shopping online for insurance coverage, you should never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest price while still protecting your assets.

Affordable 1998 Dodge Intrepid insurance can be purchased online as well as from independent agents, and you should compare rates from both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and most of the time these regional insurance providers only sell through independent agents.

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Comments About 1998 Dodge Intrepid Insurance

  1. Gretchen Stevens

    Why are claims settled so low?

  2. Jack Webster

    If you don’t have tickets and are close to Virginia Beach, VA, check out 21st Century. You might get cheaper rates. Left Nationwide to switch. I increased coverages a little too. When should I drop full coverage?

  3. Billie Figueroa

    Great info, thanks for posting. I live just to the east of Wilmington, DE. Quoted prices from American Family, Sentry, and Western Auto Insurance for my 1998 Dodge Intrepid and saved $90 a year. Not sure if rates are cheaper online or through an agent.

  4. Jenni Caldwell

    FYI in Minneapolis, Minnesota try 21st Century. I got a good deal.

  5. Rosario Short

    How are claims handled by 21st Century around Salem, Oregon?

  6. Chase Berg

    In Indianapolis, IN try State Farm or GEICO. Both had decent prices.

  7. Leonore Ingram

    I drive uninsured.

  8. Jeffrey Erickson

    I live just outside Missoula, Montana. Compared quite a few companies. Saved about $20 a month. State Farm was the cheapest for me. Insured with Safeco before. Teenage drivers are expensive! Are quotes cheaper online?