Lower Your 1999 Dodge Stratus Car Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Stratus? Wish you could get out of overpriced insurance coverage? Believe me when I say there are many people just like you. Due to the increasing number of choices of insurance companies, it can be challenging to choose the lowest price company.

Don’t overlook these auto insurance discounts

Auto insurance can be pricey, but there could be significant discounts to cut the cost considerably. Some of these disounts will be visible at the time you complete a quote, but some must be manually applied prior to receiving the credit.

• Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
• Organization Discounts – Affiliation with certain professional organizations could earn you a nice discount when getting a auto insurance quote.
• Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
• Telematics Data Discounts – Drivers who agree to allow data collection to monitor driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as the data is positive.
• No Claims – Claim-free drivers pay much less in comparison with drivers who are more careless.
• Drive Less and Save – Low mileage vehicles can qualify you for better prices on cars that stay parked.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
• Switch and Save Discount – A few auto insurance companies give discounts for switching to them prior to your current policy expiring. You can save around 10% with this discount.
• Homeowners Savings – Just owning your own home can earn you a little savings since home ownership is proof of financial responsibility.
• Anti-lock Brake System – Cars with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will definitely reduce your overall premium however.

Companies and some of the discounts can be read below.

• Geico has savings for five-year accident-free, emergency military deployment, federal employee, seat belt use, driver training, and multi-policy.
• Mercury Insurance offers discounts including accident-free, multi-policy, annual mileage, good driver, type of vehicle, and good student.
• Farmers Insurance discounts include alternative fuel, electronic funds transfer, good student, business and professional, and switch companies.
• Auto-Owners Insurance has discounts for paperless, student away at school, safe driver, multiple vehicles, group or association, good student, and anti-lock brakes.
• Liberty Mutual policyholders can earn discounts including exclusive group savings, new graduate, newly married, preferred payment discount, hybrid vehicle, safety features, and teen driver discount.
• SAFECO may include discounts for teen safe driver, anti-lock brakes, bundle discounts, homeowner, and accident prevention training.
• Progressive may offer discounts for online quote discount, multi-policy, online signing, good student, continuous coverage, multi-vehicle, and homeowner.
• USAA includes discounts for annual mileage, multi-vehicle, loyalty savings, military installation, family discount, vehicle storage, and good student.

If you are trying to find the cheapest auto insurance quotes, ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders everywhere. To locate auto insurance companies with discount auto insurance rates, click here.

Finding insurance coverage

There are several ways you can shop for insurance coverage but there is one way that is easier and takes less work. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can utilize online quotes to achieve your goal.

Most car insurance companies take part in a program where prospective buyers submit one quote, and each company can give them a price determined by their information. This prevents consumers from doing quote forms to each individual insurance coverage company.

To access this free quoting program, click here (opens in new window).

The one downside to comparing rates this way is that consumers can’t choose which carriers you will receive quotes from. So if you want to select from a list of companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

The approach you take is up to you, just compare identical coverage limits with every price quote. If the quotes have different deductibles it will be very difficult to decipher which rate is best.

How insurers determine Dodge Stratus insurance rates

A large part of saving on auto insurance is knowing some of the elements that are used to determine your premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that may reward you with big savings. Lots of things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although some other factors are more obscure such as whether you are married or your financial responsibility.

• Better rates with anti-theft devices – Owning a car with a theft deterrent system can earn a premium discount. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
• Cheaper rates by combining – Most insurance companies provide better rates to customers that buy multiple policies in the form of a multi-policy discount. Even if you already get this discount, drivers will still want to check prices from other companies to make sure you are getting the best deal.
• Women tend to take less risk – Statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Women and men get in auto accidents in similar numbers, but men have accidents that have higher claims. They also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Lower premiums for vehicles with better crash test results – Vehicles with high crash test scores cost less to insure. The safest vehicles result in less severe injuries and lower injury rates means your insurance company pays less which can mean better rates for you. If your Dodge is rated at least four stars on Safercar.gov you are probably receiving a discount.

When to get professional advice

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions can help discover whether or not you might need an agent’s assistance.

• Do I need roadside assistance coverage?
• Exactly who is provided coverage by my policy?
• What is the minimum liability in my state?
• Can my teen driver be rated on a liability-only vehicle?
• Is business property covered if stolen from my car?
• What is PIP insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Knowing the specifics of auto insurance helps when choosing the right coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by auto insurance companies.

Liability coverages

This coverage can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, medical services, loss of income, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive auto insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, falling objects, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for things like funeral costs, rehabilitation expenses, ambulance fees, nursing services and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Dodge Stratus.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Get your money’s worth

In this article, we covered a lot of techniques to compare 1999 Dodge Stratus insurance premium rates online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable auto insurance. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. They may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

When shopping online for insurance, do not reduce needed coverages to save money. There are too many instances where an insured dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at the best cost, but do not skimp to save money.

Additional detailed information can be read in these articles:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)