2005 Dodge Stratus Insurance Quotes

Want cheaper insurance coverage rates for your Dodge Stratus? Car insurance shopping is not a process drivers enjoy, but all states require it to legally drive.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. This article will tell you the most effective way to quote insurance and some tips to save money. But drivers do need to learn how the larger insurance companies price insurance differently and apply this information to your search.

How to Get Car Insurance Comparison Quotes

There are a lot of ways you can shop for car insurance but one way is less time-consuming than others. You can waste hours talking to agents in your area, or you can utilize online quoting to get pricing more quickly.

Most major companies belong to an insurance system that allows shoppers to enter their policy data once, and each company returns a rated price. This prevents consumers from doing form submissions for each company you want a rate for. To fill out one form to compare multiple rates now click to open in new window.

The only downside to doing it this way is you are unable to specify the providers to receive prices from. So if you prefer to pick from a list of companies to compare, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, make sure you use exactly the same coverage limits and deductibles for every quote you compare. If each company quotes different deductibles it will be very difficult to find the best deal for your Dodge Stratus. Just a small difference in coverage limits may cause a big price difference. Keep in mind that having more price comparisons provides better odds of finding lower pricing.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is covered by UM/UIM coverage?
  • Does insurance cover damages from a DUI accident?
  • Can I rent a car in Mexico?
  • How can I get high-risk coverage after a DUI?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if my car is in a flood?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages 101

Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as pain and suffering, medical services, bail bonds, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Stratus caused by 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 claims such as damaging your car on a curb, colliding with a tree, crashing into a ditch, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like nursing services, doctor visits, chiropractic care and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, hitting a bird, hail damage, a broken windshield and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Stratus.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.