Cheaper 2006 Dodge Stratus Insurance Quotes

Want better car insurance rates for your Dodge Stratus? Overpriced Dodge Stratus insurance can stress out your bank account and put the squeeze on your family’s finances. Comparing rate quotes is a smart way to tighten up your finances.

Having so many insurance providers from which to choose, it’s nearly impossible to locate the lowest cost car insurance company.

How to buy car insurance

Most major insurance companies like Progressive, Geico, Allstate and State Farm make it easy to get coverage prices from their websites. Getting quotes can be done by anyone as you simply type in the coverages you want into a form. Behind the scenes, the quote system gets your driving record and credit report and provides a quote based on the information you submitted. Online price estimates helps simplify price comparisons, but having to visit several different sites and type in the same information is a waste of time. But it’s necessary to compare as many rates as possible in order to get lower prices.

The easiest way to lower your car insurance bill uses one form to return rates from many companies. The form is fast, reduces the work, and makes online price comparison a little more enjoyable. After your information is entered, your coverage is rated and you are able to buy your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

To save time and compare rates using this form now, click here and enter your information. If you currently have coverage, we recommend you type in the coverage information exactly as shown on your declarations page. Using the same limits helps guarantee you will get a rate comparison for similar coverage.

Cheap insurance rates with discounts

Some insurers don’t list every policy discount very well, so we researched some of the more common and the harder-to-find credits available to bring down your rates. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little off PIP or medical payments premium.
• Accident Free – Drivers with accident-free driving histories pay less compared to drivers who are more careless.
• Cautious Drivers – Safe drivers may receive a discount up to 45% on Stratus insurance than drivers with accident claims.
• Homeowners Discount – Just being a homeowner can get you a discount because maintaining a house means you have a higher level of financial diligence.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
• Low Miles Discount – Driving fewer miles may enable drivers to earn slightly better rates than normal.
• Savings for New Vehicles – Insuring a vehicle that is new can save you some money because newer vehicles keep occupants safer.
• Online Discount – A handful of larger companies will give you a small discount just for signing your application on the internet.

Discounts lower rates, but some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you aren’t that lucky.

A few popular companies and a partial list of their discounts can be found below.

• State Farm offers discounts for student away at school, good student, Drive Safe & Save, safe vehicle, passive restraint, and Steer Clear safe driver discount.
• Farmers Insurance offers premium reductions for distant student, good student, switch companies, multi-car, teen driver, early shopping, and alternative fuel.
• Progressive may offer discounts for multi-policy, multi-vehicle, online quote discount, online signing, and continuous coverage.
• Geico includes discounts for anti-lock brakes, anti-theft, emergency military deployment, daytime running lights, defensive driver, and five-year accident-free.
• Auto-Owners Insurance may have discounts that include safe driver, anti-lock brakes, multi-policy, student away at school, multiple vehicles, and air bags.
• The Hartford discounts include good student, vehicle fuel type, bundle, air bag, and defensive driver.
• Farm Bureau has savings for multi-vehicle, 55 and retired, safe driver, driver training, renewal discount, multi-policy, and youthful driver.
• USAA has discounts for family discount, good student, new vehicle, safe driver, and multi-policy.

It’s a good idea to ask each company which discounts you qualify for. Depending on the company, some discounts may not apply everywhere.

Dodge Stratus insurance rate factors

Many things are used when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other criteria are not quite as obvious such as whether you are married or your commute time.

Shown below are a few of the things used by insurance companies to determine your premiums.

• Credit rating impacts premium costs – Credit rating can be an important factor in determining your rates. Drivers who have excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your 2006 Dodge Stratus if you clean up your credit.
• Raising comp and collision deductibles lowers premiums – Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your Dodge. Some instances where coverage would apply are a windshield shattered by a rock, collision with an animal, and windstorm damage. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be on Stratus insurance.
• Proper usage rating affects costs – Driving more miles each year the more you’ll pay to insure it. Most companies charge rates partially by how you use the vehicle. Vehicles that sit idle most of the time can get a lower rate than vehicles that are driven to work every day. Make sure your policy is showing the proper vehicle usage, because it can save money. Improper usage on your Stratus can result in significantly higher rates.
• Can a thief steal your car? – Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms help track and prevent car theft.
• Incidental coverages can cost a lot – Insurance companies have many extra coverages that can waste your money but may not be useful. Coverages for personal injury protection, high-cost glass coverage, and membership fees are probably not needed. The coverages may be enticing when buying your policy, but now you might not need them so get rid of them and save.
• Vehicles with better crash test results mean better prices – Vehicles with high crash test scores tend to be cheaper to insure. Safer cars reduce occupant injuries and better occupant protection means less claims paid which can mean better rates for you.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation will benefit from professional help.

• Am I covered when driving on a suspended license?
• Will my rates increase for filing one claim?
• How much underlying liability do I need for an umbrella policy?
• When should my teen driver be added to my policy?
• Does car insurance cover theft of personal property?
• What is an SR-22 filing?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Dodge Stratus.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision insurance pays for damage to your Stratus resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like dental work, hospital visits and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

And the best car insurance company is…

When you buy car insurance online, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest cost.

We just showed you many ideas to shop for 2006 Dodge Stratus insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best prices are with a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Helpful resources

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)