2002 Dodge Stratus Insurance Rates – 8 Savings Tips

Want lower auto insurance rates for your Dodge Stratus? Feel like you’re a prisoner to high-priced auto insurance? Trust us, you’re not alone.

You have so many insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more difficult to find the best rates for your vehicles.

Pricing the cheapest coverage is not that difficult. Just about anyone who has to buy insurance stands a good chance to be able to save money. Nevertheless, drivers should learn how companies market insurance on the web and use this information to your advantage.

Compare Auto Insurance Today

All the larger auto insurance companies like Progressive, Geico, Allstate and State Farm provide prices on their websites. This process is pretty easy as you just enter your coverage preferences as detailed in the form. Behind the scenes, their rating system will obtain your driving record and credit report and returns pricing information based on these factors. This helps simplify price comparisons, but the time required to go to multiple sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find the best price on auto insurance.

There is an easier way!

The quickest way to get multiple rate quotes requires only one form to obtain quotes from a lot of companies. The form is fast, eliminates repetitive work, and makes comparison shopping much simpler. Immediately after submitting the form, your coverage is rated and you can choose any one of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To use this form to compare rates, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you duplicate your coverages just like they are on your policy. This guarantees you’re receiving comparison quotes for the exact same coverage.

Take these eight discounts and save

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but some must be inquired about prior to receiving the credit.

  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Stratus insurance depending on your company.
  • Driver Safety – Taking part in a defensive driving course could save 5% or more if your company offers it.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.

Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

For a list of companies with the best auto insurance discounts, click here to view.

Which policy gives me the best coverage?

When choosing coverage, there really is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • How do I buy GAP insurance?
  • Should I have a commercial auto policy?
  • Do I have newly-aquired coverage?
  • How high should deductibles be on a 2002 Dodge Stratus?
  • Are all vehicle passengers covered by medical payments coverage?
  • What if I owe more than I can insure my car for?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage

This 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 doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Collision protection

This pays for damage to your Stratus caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

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

Comprehensive insurance covers claims such as theft, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This provides protection from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering, funeral expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like dental work, EMT expenses, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay