I can’t think of a single person who looks forward to paying for auto insurance, especially knowing their premiums are through the roof. Since consumers have many different company options, it’s nearly impossible to locate the right insurance company.
There are several ways to compare Dodge Stratus car insurance quotes, and some are less time-consuming than others. You could waste a few hours driving to insurance agencies in your area, or you could use the web to quickly compare rates.
Most car insurance companies belong to a marketplace where insurance shoppers send in one quote, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests for each company. To submit your quote information now, click here to start a free quote.
The one disadvantage to doing it this way is that consumers can’t choose the insurers to receive prices from. So if you prefer to pick from a list of companies to compare prices, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.
It’s up to you which method you use, but compare apples-to-apples coverage limits for each price quote. If you have higher or lower deductibles then you won’t be able to determine which rate is truly the best.
Companies don’t always list every discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If you’re not getting every credit available, you are throwing money away.
Consumers should know that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.
For a list of companies with discount insurance rates, click here to view.
When buying adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine whether or not you could use an agent’s help.
If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.
Having a good grasp of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, X-ray expenses, rehabilitation expenses, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Liability car insurance
Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different 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 means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability coverage pays for claims like loss of income, funeral expenses, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.
Protection from uninsured/underinsured drivers
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people 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 a good idea.
Collision coverage protection
Collision insurance will pay to fix damage to your Stratus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like vandalism, fire damage and rock chips in glass. The most 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 it’s not worth carrying full coverage.