How Much Does 2000 Dodge Stratus Car Insurance Cost?

Searching for the cheapest car insurance rates for your Dodge Stratus? Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other consumers. Since consumers have many choices of insurance companies, it is very difficult to find the most cost effective company.

Which Insurance is Cheapest?

There are several ways you can shop for Dodge Stratus insurance and some are less labor-intensive and much quicker. You could waste a few hours talking to local insurance agents in your area, or you could save time and use the web to get the quickest rates.

The majority of car insurance companies belong to a marketplace where insurance shoppers submit their information once, and each company then returns a price quote. This saves time by eliminating quotation requests for every insurance company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose the providers you want to price. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

Whichever method you choose, compare the exact same coverages and limits for every quote you compare. If you use different limits and deductibles on each one you can’t possibly determine the lowest rate for your Dodge Stratus.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and Geico. All the companies make an identical promise about savings if you change to them.

How do they all make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a preferred risk could possibly be a mature driver, has no tickets, and has a high credit rating. Any new insured who meets those qualifications receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t meet the requirements will be quoted higher premiums which leads to business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That’s why companies can make the claims of big savings. This emphasizes why you absolutely need to get as many comparisons as possible. Because you never know which company will have the lowest Dodge Stratus insurance rates.

Factors influencing Dodge Stratus insurance rates

An important part of buying insurance is that you know the rating factors that help determine insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to better insurance rates.

The following are a few of the “ingredients” companies use to determine prices.

  • An active claims history can cost you – If you tend to file frequent claims, you can expect higher rates. Insurance companies generally give cheaper rates to drivers who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Mature drivers pay less – More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to get distracted easily when driving therefore insurance rates are much higher.
  • Don’t let your coverage lapse – Driving with no insurance is against the law and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance can result in a license revocation or jail time.
  • Pay less after the wedding – Getting married actually saves money on insurance. Marriage means you’re more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Consolidate policies to earn discounts – The majority of insurance companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you’re getting this discount you may still want to comparison shop to confirm you are receiving the best rates possible.
  • Extra coverages can waste money – There are quite a few extra coverages that you can get tricked into buying if you aren’t careful. Things like rental car reimbursement, accidental death and membership fees may be wasting your money. They may seem good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Cut prices on Dodge Stratus insurance

Auto insurance companies don’t always list all their discounts very well, so we break down both well-publicized as well as the least known ways to save on insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Accident Waiver – A handful of insurance companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Clubs and Organizations – Being a member of a civic or occupational organization could qualify you for a break when shopping for insurance for Stratus insurance.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • College Student – Children who are attending college without a vehicle on campus may qualify for this discount.
  • Auto/Home Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurance companies with discount insurance rates, click this link.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • How does medical payments coverage work?
  • Am I covered by my spouse’s policy after a separation?
  • What is no-fault insurance?
  • Do I need rental car coverage?
  • Is my 2000 Dodge Stratus covered for smoke damage?
  • Am I covered if I hit a deer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will filing a claim cost me more?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average car insurance policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, surgery and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability coverage

This coverage will cover injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, attorney fees and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Stratus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, hitting a deer and a broken windshield. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2000 Dodge Stratus.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Don’t throw your cash in the trash

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that it was a big error on their part. Your goal should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Cheap 2000 Dodge Stratus insurance can be bought both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

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