Want cheaper auto insurance rates for your Dodge Intrepid? No car owner likes paying for auto insurance, in particular when the price is too high. Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the definite best rate
If you have insurance now or are shopping for new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Finding the best rates is not that difficult. Drivers only need an understanding of the most efficient way to shop online.
Finding more affordable 2001 Dodge Intrepid auto insurance rates is an easy way to save money. Drivers just need to spend a few minutes on the computer comparing rates to see which company has cheap car insurance quotes. This is very easy and can be done using a couple different methods.
For a handy list of car insurance company links in your area, click here.
However you get your quotes, be sure you’re using nearly identical coverages and limits on every quote. If the quotes have different liability limits you can’t possibly decipher which rate is best.
Auto insurance is expensive, but you may be missing some discounts that many consumers don’t even know exist. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be requested specifically prior to getting the savings.
A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will definitely lower the cost of your policy.
Some of the larger companies that may offer some of the above discounts include:
Check with each company or agent the best way to save money. Some discounts may not be offered in your area. To locate insurers with discount auto insurance rates, click here to view.
When buying the right insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.
If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Learning about specific coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.
Liability insurance can cover damage that occurs to people or other property in an accident. 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 for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against things like pain and suffering, court costs, medical services and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Intrepid.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as hitting a deer, hitting a bird, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
This coverage covers damage to your Intrepid resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as crashing into a building, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, nursing services, dental work, prosthetic devices and doctor visits. They are often used in conjunction with a 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. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage