Save on 1996 Dodge Intrepid Car Insurance Quotes

Want lower insurance rates for your Dodge Intrepid? Trying to find low-cost insurance for your Dodge Intrepid can be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are both good and bad ways to compare insurance rates and you need to know the proper way to compare rates for your Dodge and find the best price possible either online or from local insurance agents.

You should take the time to compare rates at least once a year because insurance rates trend upward over time. Just because you had the best price on Intrepid coverage last year you can probably find a better price now. Starting now, forget anything you know (or think you know) about insurance because you’re going to learn how to use the internet to find lower rates on insurance.

Compare Quotes for Insurance Coverage

Comparing insurance coverage rates can be exhausting if you don’t understand the easiest way. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that enables customers to enter their policy data once, and at least one company then gives them pricing. This saves time by eliminating quotation requests for each company you want a rate for. To get comparison pricing now click here to open in new window.

The only drawback to comparing rates this way is you don’t know exactly which carriers you want to price. So if you want to select specific insurance companies to compare, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, make absolute certain that you use exactly the same deductibles and coverage limits on every quote. If you compare different deductibles you can’t possibly determine the best price for your Dodge Intrepid.

Save big with these discounts

The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but some must be asked about in order for you to get them. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Auto/Life Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Student in College – Any of your kids who are attending college and don’t have a car may be able to be covered for less.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Senior Citizens – Mature drivers may qualify for reduced rates on Intrepid coverage.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Intrepid coverage with certain companies.

Consumers should know that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts might not apply in your state.

But I don’t know anything about car insurance

When buying the right insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs may require specific advice.

  • What is the difference between comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What are the best liability limits?
  • Is a fancy paint job covered?
  • Does medical payments coverage apply to all occupants?
  • What is the ISO rating for a 1996 Dodge Intrepid?
  • Am I covered when using my vehicle for business?
  • When would I need additional glass coverage?
  • Am I covered if hit by an uninsured driver?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

These factors can influence what you pay for Dodge Intrepid insurance

It’s important that you understand the factors that come into play when calculating insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Dodge Intrepid has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Better credit scores mean better rates – Having a bad credit rating is a important factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit. So if your credit score can use some improvement, you could be paying less to insure your 1996 Dodge Intrepid by improving your credit score.
  • Older drivers pay less – Teen drivers are known to be careless and easily distracted in a vehicle so insurance rates are higher. Mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Policy add-ons can waste money – There are quite a few add-on coverages you can purchase on your insurance policy. Coverages for vanishing deductibles, better glass coverage and term life insurance are examples of these. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Too many insurance claims drive up costs – If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance companies give lower rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Men are more aggressive – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Both sexes tend to get into accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.

Auto insurance 101

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Intrepid.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, a tree branch falling on your vehicle and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, attorney fees, court costs and medical expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverage

This coverage will pay to fix damage to your Intrepid caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as rehabilitation expenses, prosthetic devices, dental work, surgery and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

A little work can save a LOT of money

We just presented some good ideas how you can lower your 1996 Dodge Intrepid insurance rates. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with the smaller companies.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There have been many situations where someone dropped collision coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Low-cost insurance is available from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

To learn more, take a look at the resources below: