2003 Dodge Stratus Car Insurance Quotes – 5 Policy Discounts

Want better insurance rates for your Dodge Stratus? Finding cheaper insurance on the web is problematic for vehicle owners not familiar with price shopping over the internet. Because there are so many companies, how are vehicle owners expected to effectively compare every company in order to find better insurance prices?

You should make it a habit to get comparison quotes quite often because insurance prices tend to go up over time. Even if you think you had the best rate on Stratus insurance last year you will most likely find a better premium rate today. You’ll find a ton of advice on insurance online, but in just a couple of minutes you can learn some of the best techniques to lower your insurance bill.

Finding the best rates is quite easy. In a nutshell, anyone who is shopping for car insurance most likely will be able to save money. Although vehicle owners can benefit by having an understanding of the methods companies use to market on the web and apply this information to your search.

How to find low cost auto insurance

Many insurance companies such as State Farm and Allstate give price estimates on their websites. Doing online quotes is quite simple because you just enter the amount of coverage you want on the page. When the form is submitted, their system gets your driving record and credit report and quotes a price based on these factors.

Online price quotes streamlines rate comparisons, but the time required to go to many different websites and type in the same information is a big time waster. But it’s also necessary to perform this step in order to get the lowest auto insurance rates.

Online rates the easy way

The smarter way to lower your auto insurance bill uses one simple form to return rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much easier. As soon as you send your information, it gets priced and you can select any or none of the quotes that you receive. If you find a better price you can click and sign and purchase the new policy. It just takes a couple of minutes and could lower your rates considerably.

In order to find out how much you can save on auto insurance, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate coverages and limits identical to your current policy. Doing this assures you will be getting a price comparison for similar insurance coverage.

Five discounts to earn affordable insurance rates

Buying insurance is not cheap, but you might already qualify for some discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but less common discounts must be asked for before you will receive the discount.

• No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote in comparison to accident-prone drivers.
• Multi-line Discount – If the company offers life insurance, you could get a lower premium rate if you buy a life policy as well.
• Savings for New Vehicles – Insuring a new car can get you a discount compared to insuring an older model.
• Employee of Federal Government – Simply working for the federal government could provide a small rate reduction on Stratus insurance depending on your company.
• Renewal Discounts – A few insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.

We need to note that some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, insurance companies aren’t that generous. Any amount of discount will definitely lower the cost of coverage.

Car insurance companies that possibly offer many of the previously listed discounts possibly include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

Double check with all the companies what discounts are available to you. Some of the earlier mentioned discounts may not apply in your area. If you would like to view insurance companies offering insurance discounts, click here.

Tailor your auto insurance coverage to you

When buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

• What if I owe more than I can insure my car for?
• Is business property covered if stolen from my car?
• Is my custom paint covered by insurance?
• What if I don’t agree with a claim settlement offer?
• What is an SR-22 filing?
• I have health insurance so do I need medical payments coverage?
• What is the minimum liability in my state?
• Can my teen drive my company car?
• How can I force my company to pay a claim?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, hail damage and hitting a deer. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses like nursing services, surgery, hospital visits, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage – Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, attorney fees, repair costs for stationary objects, court costs and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Have money to burn

Consumers leave their current company for any number of reasons including delays in paying claims, policy non-renewal, extreme rates for teen drivers or poor customer service. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

You just learned a lot of information how to lower your 2003 Dodge Stratus insurance prices. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheap insurance. Drivers may discover the best prices are with an unexpected company.

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped collision coverage only to find out they didn’t have enough coverage. Your goal should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Additional detailed information is available by following these links:

• Prom Night Tips for Teen Drivers (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Airbag FAQ (iihs.org)