Cheaper 2002 Dodge Intrepid Car Insurance Quotes

Trying to come up with a payment for pricey insurance coverage can sap your personal savings and make it hard to pay other bills. Numerous insurers battle for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the lowest price

If you have a policy now or are just looking to switch companies, you can learn to reduce the price you pay while maintaining coverages. Buying car insurance is not that difficult. Drivers only need an understanding of the most effective way to get comparison quotes online.

Affordable car insurance quotes online

There are a variety of methods to shop for car insurance, but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you could save time and use online quoting to get the quickest rates.

Most major companies belong to an insurance system that allows shoppers to send in one quote, and each participating company then gives them pricing based on the submitted data. This eliminates the need for form submissions for each company you want a rate for. To submit your quote information now, click to open in new window.

The one downside to using this type of form is you don’t know exactly which carriers to get quotes from. So if you prefer to choose individual companies for rate comparison, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure you’re using the exact same quote information with every price quote. If you enter higher or lower deductibles it’s not possible to truly determine the lowest rate.

Discounts can really help save money

Some insurers don’t always publicize all their discounts in an easy-to-find place, so the list below contains a few of the more well known and the harder-to-find credits available to bring down your rates. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

• Distant Student Discount – College-age children who are enrolled in higher education away from home and do not have a car can receive lower rates.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
• Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
• Claim-Free Discount – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
• Cautious Drivers – Drivers without accidents may receive a discount up to 45% on Intrepid insurance compared to accident prone drivers.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky. But any discount will lower your policy cost.

A few popular companies and a partial list of their discounts are included below.

• Geico offers premium reductions for five-year accident-free, multi-policy, defensive driver, driver training, and anti-lock brakes.
• Travelers discounts include good student, hybrid/electric vehicle, payment discounts, driver training, IntelliDrive, and multi-car.
• Farm Bureau policyholders can earn discounts including driver training, multi-vehicle, good student, safe driver, and multi-policy.
• Liberty Mutual includes discounts for good student, exclusive group savings, hybrid vehicle, preferred payment discount, and multi-car.
• American Family may include discounts for good student, bundled insurance, multi-vehicle, mySafetyValet, and defensive driver.
• Progressive offers discounts for online quote discount, homeowner, online signing, multi-policy, and good student.

When getting a coverage quote, ask every company which discounts you qualify for. Depending on the company, some discounts may not be offered in your area.

Informed drivers know how to find car insurance at a discount

Lots of things are used when you quote your car insurance policy. Most are fairly basic like your driving record, although some other factors are less obvious like your vehicle usage or how financially stable you are.Consumers need to have an understanding of some of the things that help determine the price you pay for car insurance. When consumers understand what impacts premium levels, this enables you to make decisions that may result in cheaper rates.

Listed below are some of the factors used by insurance companies to determine premiums.

• Certain occupations raise rates – Jobs such as judges, social workers and stock brokers have higher rates than average due to high stress and long work hours. On the other hand, careers such as farmers, engineers and performers generally pay rates lower than average on Intrepid insurance.
• Save money with higher deductibles – Insurance for physical damage, aka comp and collision, is used to repair damage to your Dodge. Some coverage claims are colliding with a building, collision with an animal, and rolling your vehicle. Comp and collision deductibles state the amount of money you are willing to pay out-of-pocket if the claim is covered. The more of the claim you are required to pay out-of-pocket, the less your car insurance will be on Intrepid insurance.
• Keep insurance claims to a minimum – If you tend to file frequent claims, you should expect much higher rates or policy non-renewal. Car insurance companies provide lower rates to insureds who file claims infrequently. Your car insurance is designed for claims that you cannot pay yourself.
• Poor credit decisions can cost you – A driver’s credit history is a large factor in determining what you pay. So if your credit score could use some work, you could save money insuring your 2002 Dodge Intrepid by improving your credit score. Insureds that have high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit scores.
• Vehicle options that cut premiums – Selecting a car model that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether you could use an agent’s help.

• What is the minimum liability in my state?
• Is my 2002 Dodge Intrepid covered for smoke damage?
• What is high-risk coverage and where do I buy it?
• Do I have coverage when making deliveries for my home business?
• Am I covered when driving on a suspended license?
• Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Intrepid.

Due to the fact that many drivers 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.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, pain and suffering, medical services, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, doctor visits, prosthetic devices, ambulance fees and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage protection

This coverage pays for damage to your Intrepid resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Knowledge is power

Some companies may not offer the ability to get a quote online regional insurance providers prefer to sell through independent insurance agents. More affordable car insurance can be sourced both online as well as from insurance agents, so compare prices from both to get a complete price analysis.

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Much more information about car insurance can be found at these links:

• Parking Tips to Reduce Door Dings (State Farm)
• Avoiding Deer Collisions (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Full Coverage? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)