1996 Dodge Stratus Insurance Rates

Looking for better insurance coverage rates for your Dodge Stratus? Finding lower-cost insurance coverage over the internet can appear to be difficult for people new to quoting and comparing rates online. With a ridiculous number of companies in the marketplace, how are people expected to have time to compare each option to find cheaper insurance coverage prices?

You should make it a habit to do price comparisons on a regular basis due to the fact that insurance prices are rarely the same from one policy term to another. Just because you had the best price on Stratus insurance a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the quickest way to buy cheaper insurance coverage.

Choosing the best insurance company for you is quite easy. Essentially everyone who is shopping for car insurance stands a good chance to be able to reduce their rates. Although consumers benefit from understanding how big insurance companies sell insurance online and apply this information to your search.

How to lower your insurance cost

Most larger insurance companies such as Progressive, Geico, Allstate and State Farm allow consumers to get prices for coverage direct online. Doing online price comparisons is easy for anyone as you simply type in your personal and coverage information on the page. Behind the scenes, their system sends out for credit information and your driving record and returns a price quote based on the information you submitted.

Online price quotes makes it simple to compare prices but the work required to visit different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to do this in order to get better prices.

There is a better way to compare rates

The quickest way to locate the lowest prices utilizes a single form that obtains quotes from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes quoting online a little more enjoyable. After your information is entered, it gets priced and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process takes just a few minutes to complete and may save quite a bit of money.

To fill out one form to compare multiple rates now, click here and submit your coverage information. If you have a policy now, it’s recommended you type in your coverages identical to your current policy. Using the same limits helps guarantee you will be getting a rate comparison for the exact same coverage.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions could help you determine if you could use an agent’s help.

• Should I get collision insurance on every vehicle?
• How do I buy GAP insurance?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered if my car is in a flood?
• How much liability do I need to cover my assets?
• Can I afford to buy a different vehicle if my 1996 Dodge Stratus is totaled?
• Is business property covered if stolen from my car?
• Does my car insurance cover rental cars?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance specifics

Understanding the coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like court costs, attorney fees, medical services, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like X-ray expenses, hospital visits, rehabilitation expenses, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 1996 Dodge Stratus.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, hail damage, fire damage and damage from flooding. The most a car 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 probably time to drop comprehensive insurance.

Collision protection

Collision coverage will pay to fix damage to your Stratus from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.