1995 Dodge Stratus Insurance Rates – 7 Tricks for Best Quotes

Looking for the cheapest insurance rates for your Dodge Stratus? Cutting costs on insurance is always a challenge for consumers new to comparison shopping online. Drivers have so many choices that it can quickly become more work than you anticipated to locate the lowest price.

The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you should be able to cut costs considerably using this strategy. But vehicle owners do need to understand how companies compete online.

Lots of discounts mean lots of savings

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but some must be specially asked for prior to receiving the credit.

  • New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Safety Course Discount – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

Keep in mind that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

Insurance companies that may have some of the above discounts include:

Double check with each company which discounts you may be entitled to. Some discounts may not apply in your area.

The quickest method we recommend to compare rates is to take advantage of the fact auto insurance companies pay for the opportunity to give you rate quotes. All consumers are required to do is provide a small amount of information such as whether you have decent credit, if the vehicle is leased, driver details, and the type of vehicles you drive. Your information is submitted instantly to multiple different insurance companies and they return cost estimate within a short period of time.

To find lower rates now, click here then complete the form.

Situations that might require an agent

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions could help you determine if you might need an agent’s assistance.

  • When would I need additional glass coverage?
  • Do I need PIP coverage since I have good health insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I pay less if my vehicle is kept in my garage?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This gives you protection from other drivers 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 1995 Dodge Stratus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as pain and suffering, repair bills for other people’s vehicles, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as hospital visits, rehabilitation expenses, doctor visits, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverages

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hail damage and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This covers damage to your Stratus resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, hitting a mailbox, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Be a penny pincher

You just read quite a bit of information on how to lower your 1995 Dodge Stratus insurance rates. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the most savings is with some of the lesser-known companies.

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheap insurance is available both online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

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