2003 Dodge Intrepid Insurance Quotes

Cutting costs on insurance is challenging for consumers not familiar with comparing rates online. Drivers have so many choices that it can quickly become a challenge to find the best price.

If you currently have car insurance, you will be able to cut costs considerably using these techniques. The purpose of this post is to instruct you on how to get online quotes and some tricks to saving. Although drivers must know how big insurance companies market on the web and apply this information to your search.

Do you qualify for a discount?

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be inquired about prior to getting the savings.

  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Accident Free – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Senior Discount – Mature drivers may receive a discount up to 10% for Intrepid coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Paperless Signup – Some insurance companies will give a small break simply for signing digitally online.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren’t that generous. Any amount of discount will cut your premiums.

For a list of providers offering insurance discounts, click here to view.

The best way to compare policy rates is to take advantage of the fact most insurance companies will pay a fee to quote your coverage. The only thing you need to do is spend a couple of minutes providing details including if you have an active license, distance driven, level of coverage desired, and if a SR-22 is required. Your rating data is instantly provided to insurance companies and they respond with quotes with very little delay.

To check rates for your Dodge Intrepid , click here and complete the form.

Why your Dodge Intrepid insurance rates may be high

Consumers need to have an understanding of some of the elements that help determine the rates you pay for insurance. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to lower insurance prices.

The following are some of the items insurance companies consider when setting prices.

  • Marriage pays dividends – Having a wife or husband can get you a discount on your policy. Having a significant other usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Mature drivers pay less – Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Teenage drivers are statistically proven to be more careless behind the wheel therefore insurance rates are much higher.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Careers like lawyers, architects and accountants tend to pay higher rates than average due to stressful work requirements and lengthy work days. On the flip side, jobs such as actors, athletes and homemakers have the lowest average rates for Intrepid coverage.
  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Intrepid has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Where you live is a factor – Being located in a rural area can save you money when insuring your vehicles. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer people translates into fewer accidents.
  • Do you know you’re credit rating? – A driver’s credit rating is a huge factor in determining what you pay for insurance. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit history can use some improvement, you could save money insuring your 2003 Dodge Intrepid by improving your credit score.
  • Car features impact rates – Driving a car with an alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

What coverages do I need?

When it comes to buying coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • How do I buy GAP insurance?
  • Can my babysitter drive my car?
  • Why am I required to get a high-risk car insurance policy?
  • Why am I required to buy liability insurance?
  • Does having multiple vehicles earn me a discount?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my state a no-fault state?
  • How much liability insurance is required?
  • When do I need to add a new car to my policy?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

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 then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, damage from flooding and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, prosthetic devices, rehabilitation expenses, doctor visits and surgery. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Intrepid.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Auto liability

This can cover injuries or damage you cause to other people or property by causing an accident. This insurance 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 liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, repair costs for stationary objects, medical services and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Keep this in mind

Affordable 2003 Dodge Intrepid insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

We just presented many ways to compare insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even discover the lowest premiums are with the least-expected company.

People leave their current company for a variety of reasons including delays in paying claims, not issuing a premium refund, policy cancellation or policy non-renewal. Whatever your reason, finding a great new company can be easier than you think.

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