2000 Dodge Intrepid Insurance Quotes

Want better insurance coverage rates? Drivers have options when trying to find affordable Dodge Intrepid insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to compare rates.

There is a better way to compare insurance coverage rates and you need to know the best way to get price quotes on a Dodge and get the lowest price from local insurance agents and online providers.

If you have a policy now or need new coverage, you can use these techniques to find the best rates and still get good coverage. The purpose of this post is to help educate you on the most effective way to quote insurance and some money-saving tips. Consumers just need to know how to get comparison rates on the web.

How car insurance companies determine Dodge Intrepid insurance prices

Many factors are considered when premium rates are determined. Some factors are common sense such as your driving history, although others are less apparent like your continuous coverage and annual miles driven.

The list below includes a few of the things that factor into rates.

• How your age affects premiums – Older people are viewed as being more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.Young drivers tend to be more careless when driving with friends so auto insurance rates are higher.
• Use but don’t abuse your insurance – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Insurance companies award cheaper rates to policyholders who file claims infrequently. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• Always keep your coverage in force – Allowing your coverage to lapse is a quick way to increase your auto insurance rates. In addition to paying higher premiums, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license.
• GPS tracking and theft deterrents reduce premiums – Driving a car that has an advanced theft prevention system can help lower your premiums. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.
• Traffic violations hurt – A bad driving record has a huge affect on how much you pay. Just one speeding ticket can bump up the cost by as much as twenty percent. Careful drivers receive lower rates as compared to those with violations. Drivers who have multiple violations like DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 form with the DMV in their state in order to legally drive.
• Low stress job equals lower rates – Did you know that where you work can have an impact on rates? Jobs such as judges, architects and accountants usually pay the highest rates because of intense work-related stress and long work days. Conversely, occupations such as actors, engineers and the unemployed pay the least on Intrepid coverage.
• Low mileage costs less – The higher the miles on your Dodge annually the more you’ll pay to insure it. The majority of insurers calculate rates partially by how you use the vehicle. Cars and trucks that have low annual miles receive lower rates than those used for commuting. Having the wrong rating on your Intrepid may be costing you higher rates. Double check that your auto insurance declarations sheet shows the right rating data.

Car insurance policy discounts

Companies offering auto insurance don’t always publicize every discount they offer in a way that’s easy to find, so the next list breaks down some of the more common and also the more inconspicuous credits available to you. If you do not check that you are getting every discount possible, you may be paying too high a price.

• Discounts for Multiple Vehicles – Buying a policy with multiple vehicles with the same car insurance company can reduce the rates for all insured vehicles.
• Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
• No Claims – Insureds who avoid accidents and claims can earn big discounts as opposed to bad drivers.
• Military Discounts – Being deployed in the military can result in better rates.
• Pay Early and Save – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
• Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Intrepid coverage compared to rates paid by drivers with frequent claims.
• Discount for Swiching Early – A few larger companies allow discounts for switching policies prior to your current policy expiring. It can save you around 10%.
• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the medical payments premium.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
• Student Discounts – Being a good student may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Insurance companies who might offer most of the discounts above include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Check with each company or agent which discounts you may be entitled to. Discounts may not apply to policyholders in your area. To see insurers that offer discounts, click here.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions could help you determine whether you might need professional guidance.

• Should I buy full coverage?
• Does my policy cover my teen driver if they drive my company car?
• Are there companies who specialize in insuring high-risk drivers?
• Does my car insurance cover rental cars?
• Does medical payments coverage apply to all occupants?
• Do I need to file an SR-22 for a DUI in my state?
• Can I afford low physical damage deductibles?
• Does my 2000 Dodge Intrepid need full coverage?
• Do I benefit by insuring my home with the same company?
• When should I not file a claim?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Auto liability insurance – This can cover injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2000 Dodge Intrepid.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance – Med pay and PIP coverage provide coverage for bills such as funeral costs, chiropractic care and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision – Collision insurance pays for damage to your Intrepid from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, colliding with a tree, hitting a mailbox, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, hitting a deer, theft and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Knowledge is power

Consumers switch companies for many reasons like poor customer service, an unsatisfactory settlement offer, unfair underwriting practices or even policy cancellation. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

We just presented a lot of ways to get a better price on 2000 Dodge Intrepid insurance. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting the cheapest insurance coverage. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies.

More affordable insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not have price quotes online and usually these regional insurance providers sell through local independent agencies.

More tips and info about insurance is located in these articles:

• Learn About Car Insurance (Geico)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• State Laws for Cellphones and Texting (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)