Perplexed by the dozens of insurance options? You have a lot of company. There are so many options that it can easily become more work than you anticipated to find lower rates.
You should take the time to get comparison quotes every six months because insurance rates change regularly. Just because you found the best deal on Intrepid insurance two years ago you can probably find a better price now. You can find a lot of misleading information regarding insurance online, so by reading this article, you’re going to learn some of the best ways to find affordable insurance.
There are a lot of ways to compare insurance quotes, but one way is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use online quoting to achieve your goal.
Most of the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and at least one company provides a quote based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for.
To compare 1997 Dodge Intrepid rates using this form now click to open in new window.
The only drawback to using this type of system is you are unable to specify which insurance companies you will receive quotes from. If you would rather choose individual companies to compare, we have a listing of the cheapest insurance companies in your area. Click here to view list.
Which method you use is up to you, but double check that you are using identical quote information with each company. If you use unequal deductibles or liability limits then you won’t be able to make an equal comparison. Quoting even small variations in coverage limits may result in a large different in cost. And when comparison shopping, quoting more provides better odds of finding a lower rate.
When buying the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.
For instance, these questions might point out whether or not you might need professional guidance.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.
Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a deer and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like EMT expenses, doctor visits, pain medications and funeral costs. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1997 Dodge Intrepid.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.
This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. 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 values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability can pay for claims like court costs, loss of income, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.
Collision coverage protection
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a parking meter, colliding with another moving vehicle, colliding with a tree, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.