1995 Dodge Stratus Car Insurance Quotes

Searching for affordable auto insurance over the internet is rather challenging for beginners to comparison shopping online. With so many choices of online companies available, how can consumers have a chance to compare every one to find the lowest price available?

Insurance Comparisons

Most major insurance companies such as Progressive, Geico, Allstate and State Farm give coverage price quotes on their websites. Obtaining pricing is quite simple as you just enter the amount of coverage you want as requested by the quote form. When the form is submitted, their system sends out for credit information and your driving record and generates a price.

Online price quotes makes comparing rates easy, but having to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible in order to get the lowest price.

Compare rates the easy way

The preferred way to locate the lowest prices requires only one form that analyzes rates from many companies. The form is fast, reduces the work, and makes online quotes a lot less work. Immediately after submitting the form, it is rated and you can select any or none of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. This process takes just a few minutes to complete and could lower your rates considerably.

To save time and find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter deductibles and limits identical to your current policy. This guarantees you’re receiving an apples-to-apples comparison based on the exact same insurance coverage.

Tailor your coverage to you

When choosing coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

I have health insurance so do I need medical payments coverage?
If my pet gets injured in an accident are they covered?
Is my business laptop covered if it gets stolen from my vehicle?
How do I buy GAP insurance?
Can I rent a car in Mexico?
Does car insurance cover theft of personal property?
Should I sign the liability waiver when renting a car?
When should I buy a commercial auto policy?
Who is covered when they drive my 1995 Dodge Stratus?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance specifics

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills for X-ray expenses, ambulance fees, pain medications and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays for 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 coverage protects against claims such as hitting a bird, damage from getting keyed, hail damage, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical services, attorney fees, court costs and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for 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, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Coverage for collisions

Collision insurance covers damage to your Stratus from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.