Are you overwhelmed by the crazy number of car insurance company choices? You have a lot of company. Consumers have so many options available that it can turn into a challenge to find the perfect company for you.
It’s a great practice to get comparison quotes on a regular basis because rates fluctuate regularly. If you had the best deal for Stratus insurance two years ago a different company probably has better rates today. Starting now, forget all the misinformation about car insurance because we’re going to show you the tricks you need to know to save on car insurance.
Companies do not advertise every available discount in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving.
A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous.
To see a list of insurance companies who offer car insurance discounts, click this link.
When it comes to buying coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.
For example, these questions might point out if your insurance needs would benefit from professional advice.
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Companies like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. All the ads make an identical promise that you can save if you move your policy. How do they all say the same thing?
Different companies have a preferred profile for the right customer they prefer to insure. An example of a desirable insured could possibly be between 30 and 50, has no prior claims, and has a high credit rating. A driver who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.
Potential insureds who don’t qualify for the “perfect” profile will have to pay higher premiums which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can make the claims of big savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.
Understanding the coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
Liability insurance can cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability insurance covers things like medical expenses, bail bonds, structural damage and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Stratus.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, nursing services, prosthetic devices, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. 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 damage from flooding, hail damage, rock chips in glass, theft and a broken windshield. The highest amount a 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 it’s not worth carrying full coverage.
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like rolling your car, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.
Discount 2003 Dodge Stratus insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.
While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced full coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best price.
We covered quite a bit of information on how to shop for insurance online. The key thing to remember is the more you quote, the better your comparison will be. Consumers could even find that the most savings is with a small mutual company.
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