Compare 1993 Dodge Intrepid Car Insurance Cost

Shopping for the lowest cost insurance coverage on the web may be problematic for consumers new to comparing rates online. When there are so many companies in the marketplace, how can consumers even start to compare them all to find the cheapest available price?

The quickest way to get policy rate comparisons is to know the fact auto insurance companies will pay a fee to quote your coverage. All consumers are required to do is spend a couple of minutes providing details such as how much you drive, what your job is, how your vehicles are used, and whether you have decent credit. Your details gets transmitted to multiple car insurance providers and you get price estimates almost instantly.

How to save on Dodge Intrepid insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specifically requested before they will apply.

  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Intrepid coverage than less cautious drivers.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums on Intrepid coverage.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce your premiums.

Companies that possibly offer some of the above discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Savings may not apply in your area.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What if I owe more than I can insure my car for?
  • Does coverage extend to my business vehicle?
  • Can I still get insurance after a DUI?
  • Am I covered if my car is in a flood?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I crash into my own garage door?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?

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 don’t have a local agent, simply complete this short form.

Complexity of Dodge Intrepid insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in lower insurance coverage prices.

The list below includes some of the items that factor into premiums.

  • Do you know your deductibles? – The deductibles represent how much money you are required to spend if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more you’re willing to pay, the lower your rates will be on Intrepid coverage.
  • Your job and insurance rates – Did you know your job can affect your rates? Occupations like real estate brokers, business owners and financial analysts are shown to have higher average rates in part from high stress levels and long work hours. Conversely, jobs such as scientists, engineers and homemakers pay the least on Intrepid coverage.
  • Your spouse saves you money – Being married helps lower the price on your insurance coverage policy. Having a significant other translates into being more responsible and it’s statistically proven that being married results in fewer claims.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Dodge is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Mature drivers pay less – Youthful drivers are known to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Collision – This pays for damage to your Intrepid resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a ditch, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverages – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like loss of income, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1993 Dodge Intrepid.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from getting keyed, rock chips in glass, a broken windshield and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like pain medications, ambulance fees and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Have money to burn

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

You just read a lot of techniques to shop for 1993 Dodge Intrepid insurance online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from an unexpected company.

Consumers leave their current company for a variety of reasons including extreme rates for teen drivers, poor customer service, being labeled a high risk driver and even not issuing a premium refund. Regardless of your reason, switching car insurance companies is actually quite simple.

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