1995 Dodge Intrepid Insurance Quotes

Trying to find better insurance prices for a Dodge Intrepid can be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare insurance coverage rates and you need to know the quickest way to get price quotes for a Dodge and obtain the lowest price from both online companies and local agents.

Discounts are basically free money

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some must be manually applied before you will receive the discount. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Intrepid insurance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount when buying car insurance for Intrepid insurance.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Intrepid insurance than less cautious drivers.
  • Student in College – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.

It’s important to note that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of coverage.

Car insurance companies who might offer these discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts may not be available in your area.

Auto Insurance Quote Comparison

Performing a rate comparison can take hours if you don’t understand the easiest way. You could waste a few hours talking to insurance companies in your area, or you can utilize online quotes to get prices fast.

The majority of car insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and at least one company returns a competitive quote based on that data. This system prevents you from having to do repetitive form submissions to each individual auto insurance company. To find out what other companies charge for 1995 Dodge Intrepid insurance click here to start a free quote.

The only drawback to doing it this way is you are unable to specify which insurance companies to get quotes from. So if you want to select individual companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare the exact same quote information on every quote. If you enter unequal deductibles or liability limits then you won’t be able to make an equal comparison.

Why you might be paying too much to insure your Dodge Intrepid

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Younger drivers pay higher rates – Older drivers tend to be more responsible, tend to file fewer claims and get fewer tickets. Teen drivers are statistically proven to be more careless behind the wheel therefore auto insurance rates are much higher.
  • Liability coverage is peace of mind – Your policy’s liability coverage provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • How many coverages with the same company – Some insurance companies will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to ensure the best deal. Drivers may still find a better deal by buying auto insurance from a different company.
  • Careful drivers pay lower rates – Your driving record impacts your car insurance rates tremendously. Even a single ticket may increase your cost by twenty percent. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Pay less if you’re married – Having a spouse actually saves money on your auto insurance policy. Having a significant other means you’re more mature and responsible and statistics show being married results in fewer claims.
  • Bump up deductibles to save – Your deductibles define the amount you are required to spend in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more money you are required to pay out-of-pocket, the less your auto insurance will be for Intrepid insurance.
  • Small claims can cost you – If you file claims often, you can definitely plan on either higher rates or even cancellation. Companies provide discounts to insureds who do not rely on their insurance for small claims. Car insurance is intended for major claims that would cause financial hardship.

Which insurance is the “right” coverage?

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether your personal situation may require specific advice.

  • Am I covered if my car is in a flood?
  • Which companies will insure high-risk drivers?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is upholstery damage covered by car insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my dog or cat covered if injured in an accident?
  • What are the best liability limits?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance coverage considerations

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Intrepid.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance will pay to fix damage to your Intrepid from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills for things like chiropractic care, pain medications, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, fire damage, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

In the end, you save

Cheaper 1995 Dodge Intrepid insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance coverage companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Consumers leave their current company for many reasons like lack of trust in their agent, policy cancellation, delays in paying claims or policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

We just covered many tips how you can lower your insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

More detailed insurance coverage information is available in these articles: