1993 Dodge Intrepid Car Insurance Quotes – 6 Tips to Save

Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Big companies like Allstate and Progressive persitently shower you with ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

Lots of discounts mean lots of savings

Companies offering auto insurance do not advertise all available discounts very clearly, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • No Accidents – Good drivers with no accidents pay much less when compared to frequent claim filers.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
  • Sign Online – A few companies will give a small break just for signing your application online.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

It’s important to note that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

Insurance companies who might offer these money-saving discounts are:

Before buying, ask every prospective company what discounts are available to you. Discounts might not apply everywhere.

Situations that might require an agent

When choosing coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Is my ex-spouse still covered by my policy?
  • Do all my vehicles need collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does car insurance cover theft of personal property?
  • Should I carry comprehensive and collision coverage?
  • When can my company non-renew my policy?
  • When should my teen driver be added to my policy?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Do car insurance companies bend the truth?

Progressive, Allstate and GEICO continually stream ads in print and on television. All the companies say the same thing of big savings after switching to them. But how can every company say the same thing? This is how they do it.

All companies are able to cherry pick for the type of customer they prefer to insure. For instance, a profitable customer could possibly be over the age of 40, has no driving citations, and has a short commute. A customer who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Consumers who are not a match for these standards must pay a more expensive rate which leads to business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That is how companies can make those claims. This illustrates why you need to get as many quotes as possible. It’s not possible to predict which insurance companies will fit your personal profile best.

Coverage specifics

Knowing the specifics of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Coverage for collisions

This coverage pays for damage to your Intrepid resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Dodge Intrepid.

Because many people 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.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, fire damage, vandalism, damage from flooding and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as legal defense fees, structural damage, pain and suffering, attorney fees and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Power to the consumer

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are too many instances where an insured dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price.

Low-cost 1993 Dodge Intrepid insurance is possible online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

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