Cheaper 2004 Dodge Intrepid Car Insurance Quotes

Want lower car insurance rates for your Dodge Intrepid? Trying to find low-cost insurance for a Dodge Intrepid can normally be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are more efficient ways to buy car insurance and you need to know the proper way to compare rates for your Dodge and obtain the lowest possible price from both online companies and local agents.

You should make it a habit to get comparison quotes on a regular basis since prices go up and down regularly. Even if you think you had the best quotes on Intrepid insurance six months ago other companies may now be cheaper. You can find a lot of misleading information regarding car insurance online, but in just a couple of minutes you can learn some great ideas on how to put money back in your pocket.

If you have insurance now or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Finding more affordable insurance is quite easy. Drivers just need to learn the most effective way to find the lowest price online.

Do you qualify for discounts?

Companies offering auto insurance do not advertise every possible discount in an easy-to-find place, so we break down a few of the more common and the harder-to-find ways to save on insurance coverage.

• Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on medical payment and PIP coverage.
• Discounts for Cautious Drivers – Safe drivers can save up to 40% or more on their insurance coverage quote on Intrepid insurance than drivers with accident claims.
• Own a Home and Save – Just owning your own home can help you save on insurance coverage since home ownership is proof that your finances are in order.
• 55 and Retired – Older drivers may qualify for a discount up to 10% on Intrepid insurance.
• Early Renewal Discounts – A few larger companies offer discounts for renewing your policy early. The savings is around 10%.
• Passenger Safety Discount – Cars that have air bags or motorized seat belts may qualify for discounts of up to 25% or more.
• Good Student – Excelling in school may save you up to 25%. The good student discount can last until age 25.
• Discounts for Government Workers – Employees or retirees of the government can earn a discount up to 10% on Intrepid insurance depending on your insurance coverage provider.
• Safety Course Discount – Passing a class that teaches driver safety techniques could earn you a small percentage discount if you qualify.
• Payment Method – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.

Popular insurance coverage companies and their offered discounts include:

• The Hartford offers discounts including bundle, good student, air bag, defensive driver, anti-theft, vehicle fuel type, and driver training.
• American Family offers premium reductions for early bird, defensive driver, mySafetyValet, multi-vehicle, bundled insurance, Steer into Savings, and air bags.
• Progressive may offer discounts for multi-vehicle, continuous coverage, homeowner, good student, multi-policy, and online signing.
• Travelers has discounts for student away at school, good student, new car, multi-car, payment discounts, and driver training.
• Farmers Insurance discounts include teen driver, electronic funds transfer, bundle discounts, switch companies, alternative fuel, pay in full, and homeowner.
• USAA offers discounts for multi-vehicle, defensive driver, family discount, good student, military installation, safe driver, and new vehicle.
• Liberty Mutual policyholders can earn discounts including teen driver discount, newly retired, newly married, exclusive group savings, new graduate, and multi-car.

When getting free insurance coverage quotes, it’s a good idea to all the companies which discounts can lower your rates. Some discounts listed above may not apply everywhere. If you would like to see a list of insurance coverage companies with significant discounts, click this link.

The Dodge Intrepid insurance rate equation

It’s important that you understand the factors that go into determining the price you pay for insurance coverage. When you understand what determines base rates, this helps enable you to make changes that could result in lower premium levels.

• Adjust coverage deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Dodge. Some examples of claims that would be covered are a dented fender, hail damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more money you choose to pay out-of-pocket, the lower your rates will be on Intrepid insurance.
• Insure your auto and home with one company – Most larger insurance companies will award better rates to buyers that buy multiple policies. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. If you currently are using one company, it’s still a good idea to check prices from other companies to ensure the best deal.
• Cautious drivers pay the best premiums – Being a careful driver influences premium rates substantially. Having just one speeding ticket can bump up the cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance compared to bad drivers. People who have serious citations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
• Cars with good safety ratings means cheaper insurance – Safe vehicles are cheaper to insure. The safest vehicles result in less severe injuries and fewer serious injuries translates into savings for insurance companies and lower rates for you.
• Rates also based on gender – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women get in accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers generally have the highest accident percentage and are penalized with high insurance coverage rates.
• Costs can change based on your address – Residing in areas with lower population can be a good thing when trying to find low car insurance rates. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas tend to have congested traffic and more time behind the wheel. More time commuting means more chances of being involved in an auto accident.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

• What is an SR-22 filing?
• Am I better off with higher deductibles on my 2004 Dodge Intrepid?
• When should I remove comp and collision on my 2004 Dodge Intrepid?
• Am I covered when delivering products for my home-based business?
• Should I drop comprehensive coverage on older vehicles?
• Do I pay less if my vehicle is kept in my garage?
• Does having multiple vehicles earn me a discount?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is my custom paint covered by insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Are insurance coverage companies telling the truth?

Consumers can’t get away from ads that claim the cheapest car insurance rates from the likes of State Farm and Allstate. They all seem to advertise the message that drivers can save some big amount if you change to them.

But how can every company charge you a lower premium? Here is the trick they use.

Insurance companies have specific characteristics for the type of driver that will most likely be profitable. For example, a profitable insured could possibly be a female over age 40, has never had a policy lapse, and drives a car with an anti-theft system. Anybody that matches those criteria will get the preferred premium rates and is almost guaranteed to cut their rates substantially.

Drivers who cannot meet these criteria will see higher rates with the end result being the customer not buying. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save that much money. That’s why companies can truthfully make those claims.

This really drives home the point why you absolutely need to quote coverage with many companies. It is just not possible to predict which insurance companies will have the best rates.

Car insurance coverage basics

Knowing the specifics of car insurance can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like nursing services, hospital visits and ambulance fees. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, hail damage, falling objects and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays for damage to your Intrepid from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle, colliding with a tree, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Dodge Intrepid.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Liability – This provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as funeral expenses, attorney fees, medical services and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Buy Smart and Save

In this article, we covered a lot of techniques to shop for 2004 Dodge Intrepid insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

Cheaper auto insurance is available from both online companies in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies do not offer price quotes online and these smaller companies sell through independent insurance agents.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where an insured cut collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Even more information can be read at these sites:

• A Tree Fell on Your Car: Now What? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)