2000 Dodge Stratus Insurance Quotes

Trying to find lower insurance rates for your Dodge Stratus? Think you have an expensive insurance policy? Believe me when I say many consumers feel financially strained by their insurance policy. You have multiple insurance companies to buy insurance from, and although it’s a good thing to have a choice, more choices can make it harder to compare company pricing.

It’s smart to get comparison quotes before your policy renews since insurance prices are constantly changing. Even if you think you had the best deal on Stratus insurance two years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the tricks you need to know to get good coverage at a lower rate.

Drivers save money with these money-saving discounts

Some insurers don’t always advertise all possible discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized as well as the least known savings tricks you should be using when you buy car insurance online. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Senior Citizen Rates – If you’re over the age of 55, you can get lower premium rates on Stratus insurance.
• No Claims – Good drivers with no accidents have much lower rates in comparison to accident-prone drivers.
• New Car Discount – Buying a new car model may earn a small discount because newer vehicles keep occupants safer.
• Professional Organizations – Participating in qualifying employment or professional organizations could qualify you for a break on your next insurance statement.
• Safety Course Discount – Taking part in a class that teaches driver safety techniques is a good idea and can lower rates and easily pay for the cost of the class.
• College Student Discount – Kids who are attending college and leave their car at home could qualify for this discount.
• Driving Data Discount – Insureds who allow their insurance company to track driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they are good drivers.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of more than 20%.
• Drivers Ed for Students – Require your teen driver to take driver’s ed class as it can save substantially.

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, click here.

Finding car insurance

Most of the larger companies allow consumers to get prices from their websites. The process can be done by anyone as you just enter your coverage information on the page. After you complete the form, their rating system automatically orders your credit score and driving record and gives you a price quote based on the information you submitted. Online price quotes streamlines rate comparisons, but the work required to visit a lot of sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to do this in order to find the best price possible.

The better way to compare rates

A quicker way to lower your rates is to use a quote form that gets prices from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much easier. As soon as the form is sent, it is quoted and you can choose any of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.

In order to compare rates using this form now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you duplicate the limits and deductibles as shown on your current policy. This makes sure you will get comparison quotes using the same coverage and limits.

Do I need special coverages?

When it comes to choosing the best car insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

• How many claims can I have before being cancelled?
• Do I need replacement cost coverage on my 2000 Dodge Stratus?
• How much liability do I need to cover my assets?
• Do I pay less for low miles?
• Do I really need UM/UIM coverage?
• Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Coverage for collisions

This covers 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 insurance covers claims like crashing into a ditch, sideswiping another vehicle, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses such as dental work, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability

This will cover damage that occurs to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as pain and suffering, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Dodge Stratus.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

In conclusion

Lower-priced auto insurance can be purchased from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and usually these regional insurance providers work with local independent agents.

In this article, we presented a lot of techniques to shop for 2000 Dodge Stratus insurance online. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper car insurance. You may be surprised to find that the lowest car insurance rates come from the smaller companies. Smaller companies can often provide lower premium rates in certain areas compared to the large companies like Geico and State Farm.

More tips and info about auto insurance is available in these articles:

• Collision Insurance Coverage (Nationwide)
• Red Light Cameras (State Farm)
• Airbag FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)