Cheaper 1998 Dodge Intrepid Insurance Rates

Looking for better insurance coverage rates? Shoppers have options when shopping for affordable Dodge Intrepid insurance. They can either waste time calling around to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to compare insurance coverage rates and we’ll show you the proper way to get price quotes for a Dodge and get the best price possible either online or from local insurance agents.

These discounts can slash car insurance rates

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so we researched both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Intrepid insurance than less cautious drivers.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Drivers Ed for Students – Have your child take driver’s ed class in high school.
  • Driver Safety – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.

It’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers with the best car insurance discounts, click here to view.

When might I need the advice of an agent?

When buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • Are all vehicle passengers covered by medical payments coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I rent a car in Mexico?
  • Why do I need rental car insurance?
  • How can I get high-risk coverage after a DUI?
  • Does insurance cover damages from a DUI accident?
  • Do I need roadside assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage specifics

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Intrepid.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle, damage from flooding, theft and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This pays for damage to your Intrepid caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as medical services, bail bonds, repair costs for stationary objects, funeral expenses and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as chiropractic care, EMT expenses, rehabilitation expenses, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Take this to the bank

We just presented some good ideas how to save on 1998 Dodge Intrepid insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small local company.

Insureds switch companies for many reasons like unfair underwriting practices, delays in paying claims, denial of a claim and high prices. Regardless of your reason, finding a new car insurance company can be easy and end up saving you some money.

Discount insurance is attainable on the web as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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