How Much Does 1994 Dodge Intrepid Car Insurance Cost?

Want the cheapest car insurance rates for your Dodge Intrepid? Sick and tired of scraping the payment together to buy car insurance? You are in the same boat as many other drivers.

Drivers have multiple insurers to buy insurance from, and although it’s a good thing to have a selection, lots of choices makes it harder to compare company pricing.

You should make it a habit to take a look at other company’s rates before your policy renews since insurance rates change quite often. Even if you think you had the best deal for Intrepid coverage a year ago a different company probably has better rates today. You can find a lot of misleading information regarding car insurance on the internet, so I’m going to show you some tested techniques to buy car insurance cheaper.

Car Insurance Prices

There are several ways of comparing rate quotes from local car insurance companies. By far the easiest way to find the cheapest 1994 Dodge Intrepid insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This easy form eliminates the need for multiple quote forms to each individual car insurance company. One quote request gets rate comparisons from many national carriers.

Another way to compare prices consists of going to each individual company website to request a price quote. For examples sake, let’s assume you want to compare Geico, Progressive and State Farm. You would have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make sure you use exactly the same information for each price quote. If you compare differing limits it’s not possible to determine the best price for your Dodge Intrepid. Having just a slight variation in coverages may result in large price differences. And when comparison shopping, quoting more will improve the odds of getting a lower rate.

Tailor your coverage to you

When buying adequate coverage, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions might point out whether your personal situation could use an agent’s help.

• Is my 1994 Dodge Intrepid covered for flood damage?
• Should I bundle my homeowners policy with my auto?
• Do I have coverage for damage caused while driving under the influence?
• Why does it cost so much to insure a teen driver?
• Can my teen drive my company car?
• Where can I get insurance after a DUI in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• How can I get my company to pay me more for my totalled car?
• What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Coverages available on your policy

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by car insurance companies.

Collision coverage – Collision insurance pays for damage to your Intrepid resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive car insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, fire damage, hitting a bird, rock chips in glass and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage – Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as bail bonds, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as doctor visits, rehabilitation expenses, EMT expenses, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.