Cheaper 2002 Dodge Intrepid Car Insurance Quotes

Are you intimidated by the wide range of insurance company choices? You’re not the only one! Drivers have so many choices that it can easily become a challenge to find better rates.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Although drivers should learn how insurance companies price online insurance and apply this information to your search.

Cheap Auto Insurance Comparisons

The are a couple different ways to get quotes from auto insurance companies in your area. The easiest way by far to find the cheapest 2002 Dodge Intrepid insurance rates consists of shopping online. This is very easy and can be done in several different ways.

  1. Probably the best way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing separate quotes for each company you want a rate for. A single form gets rate comparisons from many national carriers. Just one form and you’re done.
  2. A less efficient way to get comparison quotes requires a trip to the website of each company to complete a price quote. For example, we’ll pretend you want to compare rates from Liberty Mutual, 21st Century and American Family. To get each rate you have to go to every website and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, compare exactly the same coverage limits for each price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to make an equal comparison. Quoting even small variations in limits could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes helps you find the best offered rates.

Be sure to get all your discounts

Companies offering auto insurance don’t always advertise every discount very clearly, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Intrepid coverage.
  • Club Memberships – Belonging to a professional or civic organization could qualify you for a break when buying insurance coverage for Intrepid coverage.
  • Defensive Driver – Taking a driver safety course can save you 5% or more if your company offers it.
  • Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Intrepid coverage with a few insurance coverage companies.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Homeowners Discount – Simply owning a home may trigger a insurance coverage policy discount because maintaining a house shows financial diligence.

Keep in mind that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies that possibly offer some of the above discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. All car insurance discounts may not apply in your state.

How do I know if I need professional advice?

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is there coverage for injuries to my pets?
  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Does my 2002 Dodge Intrepid need full coverage?
  • Is my teenager covered with friends in the car?
  • What is the ISO rating for a 2002 Dodge Intrepid?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

These factors can influence Dodge Intrepid insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” used by your company to calculate rates.

  • Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Never let your coverage lapse – Driving with no insurance is against the law and you will pay a penalty because you let your coverage lapse. Not only will rates go up, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Do you know you’re credit rating? – Credit score is a huge factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit rating is low, you could be paying less to insure your 2002 Dodge Intrepid by improving your credit score.
  • Teen drivers pay high rates – Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers are statistically proven to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Dodge Intrepid scored better than four stars on it may be receiving lower rates.
  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as doctors, executives and accountants are shown to have higher rates than average attributed to job stress and lengthy work days. On the flip side, occupations like farmers, athletes and performers pay the least for Intrepid coverage.
  • Careful drivers pay lower rates – Careful drivers have lower premiums than people who have multiple driving citations. Even one speeding ticket can boost insurance rates by as much as thirty percent. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

Specific coverage details

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2002 Dodge Intrepid.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, rock chips in glass, vandalism and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This will cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, medical expenses, loss of income and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like rehabilitation expenses, doctor visits, chiropractic care and ambulance fees. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

We’ve covered many ideas to save on 2002 Dodge Intrepid insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the best price on insurance is with the least-expected company.

Affordable insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Insureds switch companies for many reasons like policy cancellation, high rates after DUI convictions, delays in paying claims or unfair underwriting practices. Regardless of your reason, choosing a new company can be pretty painless.

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