1994 Dodge Intrepid Car Insurance Cost

Searching for discount car insurance online might seem problematic for shopping for insurance online. With such a large choice of insurers to choose from, how can drivers be able to compare every company in order to find the best price?

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. The purpose of this post is to introduce you to the most effective way to quote insurance and some tips to save money. But vehicle owners do need to know the way insurance companies sell insurance online because it can help you find the best coverage.

The most recommended method to compare insurance rates in your area is to know the fact most of the larger companies participate in a system to compare their rates. The only thing you need to do is provide information including if you have a valid license, what your job is, if you’re married, and if a SR-22 is required. Your details is then submitted to many of the top insurers and they return cost estimate very quickly.

If you would like to compare rates now, click here and complete the form.

Discounts can really help to save

Companies don’t list all possible discounts in an easy-to-find place, so the list below details a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Multi-line Discount – Insurance companies who offer life insurance give lower prices if you buy a life policy as well.
• Low Mileage Discounts – Maintaining low annual mileage may allow you to get discounted car insurancerates on garaged vehicles.
• Accident Waiver – This one isn’t a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Bundled Policy Discount – When you combine your auto and home insurance and place coverage with the same company you may save nearly 15% which can help you find cheaper car insurance.
• Military Deployment Discount – Having an actively deployed family member could qualify you for better rates.
• Seat Belt Usage – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
• Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer models.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

A partial list of companies that may include these discounts possibly include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

When getting free car insurance quotes, it’s a good idea to all the companies which discounts you qualify for. All car insurance discounts might not be offered on policies in your area. For a list of companies with the best car insurance discounts, click here to view.

Will just any policy work for me?

When buying the right insurance coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

• Is my vehicle covered by my employer’s policy when using it for work?
• Is extra glass coverage worth it?
• Should I carry comprehensive and collision coverage?
• What is high-risk coverage and where do I buy it?
• How many claims can I have before being cancelled?
• Does coverage extend to a rental car in a foreign country?
• Will I lose any money if I cancel my policy before it expires?
• What is the rate difference between pleasure use and commuting?
• Who is covered when they drive my 1994 Dodge Intrepid?
• Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Car insurance 101

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, vandalism and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your 1994 Dodge Intrepid.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance will cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for things like nursing services, funeral costs, doctor visits and dental work. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Summing up your insurance coverage search

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The goal is to find the BEST coverage at the best price.

Insureds leave their current company for any number of reasons including lack of trust in their agent, high rates after DUI convictions, an unsatisfactory settlement offer and even questionable increases in premium. It doesn’t matter what your reason, switching insurance coverage companies can be easier than you think.

More affordable insurance coverage can be purchased from both online companies in addition to many insurance agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance coverage companies may not provide online rate quotes and many times these small insurance companies only sell through independent insurance agents.

Even more information can be found in these articles:

• Neck Injury FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Bodily Injury Coverage (Liberty Mutual)
• Vehicle Size and Weight FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)