How Much Does 2004 Dodge Intrepid Insurance Cost?

Want lower car insurance rates for your Dodge Intrepid? Trying to find low-cost insurance for a Dodge Intrepid can normally be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to find car insurance online and you need to know the best way to compare rates for a Dodge and obtain the lowest price.

Auto Insurance Prices Online

All major auto insurance companies such as State Farm, Allstate and GEICO provide prices for coverage on their websites. Obtaining pricing doesn’t take much effort as you simply type in your required coverages as requested by the quote form. Once you submit the form, the system sends out for information on your driving record and credit history and generates pricing information determined by many factors.

Online quotes makes comparing rates easy, but the process of having to visit a lot of sites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest auto insurance rates.

There is an easier way!

A less time-consuming method to lower your rates is to use a quote form to obtain quotes from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes online price comparison much easier. After sending your information, it gets priced with multiple companies and you can pick any one of the quote results. If a lower price is quoted, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To save time and compare rates now, click here to open in new window and submit the form. If you have a policy now, it’s recommended you type in the coverage information as close as possible to your current policy. This ensures you will have an apples-to-apples comparison based on the exact same insurance coverage.

You probably qualify for some discounts

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you are throwing money away.

  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Passive Restraints and Air Bags – Factory air bags may earn rate discounts up to 30%.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Intrepid coverage with select insurance companies.
  • Homeowners Discount – Owning a house can save you money because of the fact that having a home demonstrates responsibility.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Safety Course Discount – Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Organization Discounts – Participating in certain professional organizations is a good way to get lower rates on your policy on Intrepid coverage.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies that may have these discounts include:

Double check with each company what discounts are available to you. Some discounts might not be offered in your state.

There’s no such thing as the perfect policy

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions might point out if you could use an agent’s help.

  • What can I do if my company won’t pay a claim?
  • How can I find cheaper teen driver insurance?
  • Why am I required to buy liability insurance?
  • Should I waive the damage coverage when renting a car?
  • What is an SR-22 filing?
  • How do I buy GAP insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Pieces of the Dodge Intrepid insurance rate puzzle

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for insurance coverage. Knowing what determines base rates helps enable you to make changes that can help you get lower insurance coverage prices.

  • Theft deterrents lower rates – Driving a car with an alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Extra add-on coverages are wasting money – There are quite a few extra coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and motor club memberships may be wasting your money. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.
  • Do you know you’re credit rating? – Credit score is a important factor in determining your rates. Therefore, if your credit history is lower than you’d like, you could save money insuring your 2004 Dodge Intrepid by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • More miles equals more premium – The more miles you rack up on your Dodge every year the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. Double check that your insurance coverage policy properly reflects how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Intrepid may be costing you.
  • Protect your assets with liability insurance – Liability insurance will protect you if ever a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Do you qualify for a multi-policy discount? – The majority of companies will give a discount to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to compare other company rates to confirm you are receiving the best rates possible.

Car insurance coverage information

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Auto liability – This provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others. It does not 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. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, medical expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision coverage pays for damage to your Intrepid resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, crashing into a building, rolling your car, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as pain medications, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, hitting a bird, theft, a tree branch falling on your vehicle and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Be Smart and Buy Smart

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Budget-conscious 2004 Dodge Intrepid insurance is attainable both online as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

People switch companies for a variety of reasons including lack of trust in their agent, poor customer service, being labeled a high risk driver or policy cancellation. No matter why you want to switch, finding a great new company is easier than you think.

For more information, take a look at the resources below: