Want the cheapest car insurance rates? Drivers have lots of choices when trying to find the lowest priced Dodge Intrepid insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to make rate comparisons. There are more efficient ways to shop for car insurance and you need to know the proper way to price shop coverage for a new or used Dodge and locate the lowest price from both online companies and local agents.
It’s a good habit to shop coverage around at least once a year because prices go up and down regularly. Even if you got the best rates for Intrepid insurance on your last policy there may be better deals available now. You can find a lot of misleading information regarding car insurance on the web, but with this article, you’re going to get some tested techniques to buy car insurance cheaper.
If you are insured now or need a new policy, you can use this information to find the best rates while maintaining coverages. The purpose of this post is to familiarize you with how to effectively get price quotes and some tips to save money. Drivers only need to know the best way to shop their coverage around online.
Companies offering auto insurance don’t always publicize every discount very clearly, so we break down both well-publicized as well as the least known discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.
Consumers should know that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.
Insurance companies that may offer these money-saving discounts include:
Before buying, ask each company how you can save money. Some discounts might not be offered everywhere.
Finding lower auto insurance rates is actually quite simple. All you need to do is spend a few minutes on the computer comparing rate quotes from different insurance companies. This is very easy and can be done in a couple of different ways.
The recommended way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for boring form submissions for each company. A single form gets you price quotes from multiple low-cost companies. Just one form and you’re done.
A more difficult way to get comparison quotes requires a trip to the website for each individual company to complete a price quote. For sake of this example, let’s assume you want to compare Progressive, Safeco and GMAC. To find out each rate you need to visit each site to input your insurance information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages on every quote. If you are comparing different values for each quote then you won’t be able to truly determine the lowest rate.
When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.
For example, these questions can aid in determining whether your personal situation would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.
Learning about specific coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverage – Collision insurance pays for damage to your Intrepid caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a ditch, rolling your car, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for funeral costs, hospital visits, surgery and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Liability – This can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects, legal defense fees and attorney fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.
Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, hail damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Consumers who switch companies do it for many reasons like lack of trust in their agent, delays in responding to claim requests, high rates after DUI convictions or poor customer service. It doesn’t matter why you want to switch switching insurance coverage companies can be easy and end up saving you some money.
When shopping online for insurance coverage, never sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
We’ve covered many tips how you can lower your 1995 Dodge Intrepid insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.
More detailed insurance coverage information is available in these articles: