1998 Dodge Stratus Car Insurance Quotes

If you’re looking for more affordable insurance on the web, do you get frustrated by the dozens of insurance coverage choices that you can choose from? You have so many options that it is a ton of work to find the best prices.

This information will instruct you on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Nevertheless, car owners need to learn how the larger insurance companies sell online.

The quickest method we recommend to compare policy rates is to realize most of the larger companies participate in online systems to quote your coverage. The only thing you need to do is provide a little information including deductibles desired, your general credit rating, any included safety features, and if a SR-22 is needed. That rating information is then sent to insurance companies and they return quotes within a short period of time.

These discounts can lower your insurance rates

Insurance is neither fun to buy or cheap, but you may be missing some discounts that can help lower your rates. Some discounts apply automatically at the time of quoting, but a few must be requested specifically before they will apply.

• Multiple Cars – Buying a policy with all your vehicles on one policy can reduce rates for all insured vehicles.
• Senior Discount – If you qualify as a senior citizen, you are able to get reduced rates on Stratus insurance.
• Membership in Organizations – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
• Lower Rates for Military – Being deployed with a military unit can result in better premium rates.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.

Don’t be surprised that some of the credits will not apply the the whole policy. Most cut specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

The best insurance companies and a partial list of their discounts include:

• 21st Century offers discounts including defensive driver, good student, driver training, theft prevention, anti-lock brakes, homeowners, and student driver.
• State Farm includes discounts for multiple policy, defensive driving training, student away at school, anti-theft, and good driver.
• AAA discounts include multi-car, anti-theft, good student, good driver, multi-policy, AAA membership discount, and education and occupation.
• Liberty Mutual offers discounts for new vehicle discount, hybrid vehicle, new move discount, preferred payment discount, newly married, and good student.
• Progressive policyholders can earn discounts including good student, multi-policy, online quote discount, homeowner, continuous coverage, and online signing.

If you want cheap car insurance quotes, ask each insurance company to apply every possible discount. Savings may not apply to policyholders in every state. If you would like to choose from a list of insurance companies that offer the discounts shown above, click here to view.

Different people need different insurance coverages

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

• When can I cancel my policy?
• Do I need motorclub coverage?
• Are rock chip repairs covered?
• Can I afford to buy a different vehicle if my 1998 Dodge Stratus is totaled?
• When do I need to add a new car to my policy?
• Will my insurance pay for OEM parts?
• Does my 1998 Dodge Stratus qualify for pleasure use?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Coverages available on your insurance policy

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage

This coverage can cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Dodge Stratus.

Since a lot of 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. Usually these limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage will pay to fix damage to your Stratus from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, a broken windshield, vandalism, falling objects and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses like funeral costs, EMT expenses, pain medications and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

Drivers switch companies for any number of reasons including delays in responding to claim requests, poor customer service, unfair underwriting practices or high rates after DUI convictions. Whatever your reason, switching companies is actually quite simple.

You just read a lot of techniques to save on 1998 Dodge Stratus insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the biggest savings come from the smaller companies.

Budget-conscious 1998 Dodge Stratus insurance can be sourced from both online companies and from local agencies, so you need to quote car insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer rates over the internet and most of the time these smaller companies prefer to sell through independent agencies.

For more information, take a look at the following helpful articles:

• Auto Insurance Basics (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)