Want lower auto insurance rates for your Dodge Intrepid? Are you overwhelmed by the crazy number of auto insurance options? Many other drivers are as well. Consumers have so many options that it can easily become more work than you anticipated to find the lowest price.
It’s important to compare prices on a regular basis because rates fluctuate regularly. Even if you got the best rates for Intrepid insurance a year ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to find out how to use the internet to properly buy coverages while reducing your premium.
If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Buying the cheapest protection can be fairly easy. But vehicle owners must learn the methods companies use to compete online and apply this information to your search.
Most major insurance companies allow you to get pricing on the web. Getting online rates is pretty painless as you simply type in the amount of coverage you want into the quote form. Upon sending the form, the company’s rating system gets your driving and credit reports and returns a price based on many factors.
Being able to quote online simplifies rate comparisons, but the time it takes to visit several different sites and complete many quote forms can be a bit repetitive. But it’s very important to get many rate quotes in order to find lower prices.
There is a better way!
A quicker way to find cheaper rates requires only one form that obtains quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes quoting online much more efficient. After your information is entered, it gets priced and you can select any or none of the resulting price quotes.
If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and could lower your rates considerably.
In order to fill out one form to compare multiple rates now, click here and enter your information. To compare your current rates, we recommend you copy deductibles and limits exactly as they are listed on your policy. This way, you will have comparison quotes using the exact same coverages.
The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be inquired about in order for you to get them.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.
Car insurance companies that possibly offer these money-saving discounts include:
It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts may not apply in your area.
When buying adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.
For instance, these questions might point out if your insurance needs might need professional guidance.
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.
Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
This coverage provides protection from damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as loss of income, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.
Medical payments and PIP coverage
Med pay and PIP coverage pay for immediate expenses such as rehabilitation expenses, surgery and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Intrepid.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are similar to your liability insurance amounts.
Collision coverage pays for damage to your Intrepid caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as hitting a parking meter, scraping a guard rail, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.