How Much Does 2003 Dodge Stratus Car Insurance Cost?

Want lower insurance coverage rates for your Dodge Stratus? Trying to find low-cost insurance for your Dodge Stratus could be an all-consuming task, but you can follow our insurance coverage buying tips to save time. There is a right way and a wrong way to find insurance coverage online and you need to know the proper way to compare rates for your Dodge and find the best price possible.

It’s important to shop coverage around on a regular basis because prices change frequently. Even if you got the best price for Stratus insurance on your last policy the chances are good that you can find a lower rate today. So just ignore everything you know about insurance coverage because you’re going to learn the quickest way to find lower rates on insurance coverage.

Buying car insurance is not rocket science. If you have insurance now or need new coverage, you can learn to find better prices and still get good coverage. Drivers just need to learn the tricks to compare prices online.

The most recommended method to compare policy rates is to understand all the major auto insurance companies pay for the opportunity to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details including driver ages, your occupation, coverage limits, and whether or not you need a SR-22. Your information is then sent to many different companies and you receive quotes very quickly.

To start a quote now, click here and enter the information requested.

Discounts mean cheaper 2003 Dodge Stratus insurance rates

Car insurance companies do not list every available discount very clearly, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you’re not getting every credit possible, you’re paying more than you need to.

  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Accident Forgiveness – A few companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.

Drivers should understand that some credits don’t apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that may have these money-saving discounts include:

Check with each company what discounts are available to you. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need replacement cost coverage?
  • What are the financial responsibility laws in my state?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage if my license is suspended?
  • How much liability do I need to cover my assets?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Dodge Stratus rate determination is complex

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for insurance. Knowing what determines base rates empowers consumers to make smart changes that may reward you with better insurance rates.

  • Having a spouse can save you money – Having a wife or husband helps lower the price on insurance. Marriage usually means you are more mature than a single person and it’s proven that being married results in fewer claims.
  • Mature drivers pay less – Mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to be less responsible in a vehicle and because of this, their insurance rates are much higher.
  • Higher deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Dodge from damage. A few examples of covered claims would be collision with another vehicle, damage from fire, or theft. Deductibles for physical damage are the amount of money you are required to spend if you file a covered claim. The more expense you have to pay, the bigger discount you will receive for Stratus insurance.
  • Liability insurance protects assets – Liability insurance is the protection in the event that a court rules you are at fault for personal injury or accident damage. It will provide legal defense starting from day one. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Dodge Stratus earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Equipment add-ons that lower insurance rates – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.

Buyer beware of car insurance advertising tricks

Consumers get pounded daily by advertisements for cheaper car insurance by Geico, State Farm and Progressive. All the ads make the same claim of big savings if you move to their company.

How can each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that makes them money. An example of a driver they prefer could possibly be a mature driver, owns a home, and has a short commute. A customer who matches those parameters is entitled to the best price and most likely will save quite a bit of money when switching.

Potential insureds who do not match these standards will have to pay higher rates and this can result in the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently advertise the way they do. Because of the profiling, drivers should compare as many rates as you can. Because you never know which car insurance company will give you the biggest savings on Dodge Stratus insurance.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Stratus.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision – Collision coverage pays for damage to your Stratus from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass, vandalism and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability – Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like court costs, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense insurance – Med pay and PIP coverage pay for bills like nursing services, hospital visits, X-ray expenses, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Compare but don’t skimp

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, delays in paying claims, high rates after DUI convictions or denial of a claim. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

You just read some good ideas how to save on 2003 Dodge Stratus insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the biggest savings come from a small local company.

When shopping online for car insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped full coverage only to discover later they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage for the lowest price.

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