Save on 2004 Dodge Intrepid Insurance Quotes

Expensive car insurance can drain your checking account, especially in this economy. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest cost out there.

You should take the time to take a look at other company’s rates every six months since insurance rates are usually higher with each renewal. Even if you got the lowest price for Intrepid insurance last year there is a good chance you can find better rates now. So ignore everything you know about car insurance because you’re about to learn one of the best ways to lower your annual insurance bill.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Finding the best rates is not rocket science. But vehicle owners must understand how the larger insurance companies determine prices and use this information to your advantage.

The quickest method we recommend to compare insurance rates in your area is to know most of the bigger providers will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is give the companies some data including coverage limits, what you do for a living, if a SR-22 is required, and if you’re married. Your rating data is instantly sent to multiple different insurance companies and they return quotes with very little delay.

Discounts are great for lower rates

Companies don’t always publicize every available discount in a way that’s easy to find, so we researched some of the best known and the harder-to-find savings tricks you should be using.

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • Organization Discounts – Affiliation with a civic or occupational organization may earn a discount when buying auto insurance for Intrepid insurance.
  • Senior Discount – Mature drivers may qualify for reduced rates for Intrepid insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Consumers should know that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

For a list of insurance companies who offer auto insurance discounts, follow this link.

You may need specialized coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Is my trailer covered?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I crash into my own garage door?
  • Is upholstery damage covered by car insurance?
  • What can I do if my company won’t pay a claim?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Factors that can influence Dodge Intrepid insurance rates

An important part of buying insurance is that you know the different types of things that go into determining insurance coverage rates. Understanding what determines base rates enables informed choices that can help you get better insurance coverage rates.

Listed below are some of the items insurance coverage companies consider when setting your rates.

  • One company can mean more discounts – The majority of companies give discounts to people who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both tend to get into accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DUI and reckless driving.
  • Never allow your policy to lapse – Allowing your insurance coverage policy to lapse will be a fast way to bump up your insurance coverage costs. Not only will rates go up, failure to provide proof of insurance can result in a license revocation or jail time.
  • An active claims history can cost you – Companies provide lower rates to insureds who file claims infrequently. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
  • Choose a safe vehicle and save – Safer cars are cheaper to insure. These vehicles protect occupants better and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If the Dodge Intrepid is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Your age impacts your rates – Teenage drivers are known to get distracted easily when driving so they pay higher insurance coverage rates. Having to add a teenage driver to your policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.

Insurance coverage specifics

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Auto liability – Liability coverage provides protection from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have 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 insurance covers claims like court costs, structural damage and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance will pay to fix damage to your Intrepid resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Intrepid.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

A fool and his money are soon parted

We’ve covered many ideas to shop for 2004 Dodge Intrepid insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the most savings is with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where someone dropped full coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Lower-priced insurance is available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Additional car insurance information can be found on the following sites: