Save on 1999 Dodge Stratus Insurance Rates

Searching for cheaper car insurance rates for your Dodge Stratus? Vehicle owners not familiar with comparing rates online will find purchasing affordable insurance is nearly impossible.

Take policy discounts and save

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. Certain reductions will be credited at the time of purchase, but lesser-known reductions have to be asked about before being credited.

• Drive Less and Save – Driving fewer miles can qualify you for lower insurancerates due to less chance of an accident.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
• Discounts for New Vehicles – Insuring a new car can save you some money due to better safety requirements for new vehicles.
• Air Bag Discount – Cars that have air bags or motorized seat belts could see savings of 20 to 30 percent.
• Own a Home – Just being a homeowner may earn you a small savings because it means you have a higher level of financial diligence.
• Data Collection Discounts – People who choose to allow their company to study driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
• Defensive Driver – Taking part in a defensive driver course is a good idea and can lower rates if your company offers it.
• Accident Waiver – This one is not really a discount per se, but some companies like State Farm and Progressive will allow you to have one accident before your rates go up so long as you haven’t had any claims before the accident.
• Safe Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates on Stratus coverage than their less cautious counterparts.
• Payment Method – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.

Please keep in mind that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, that’s just not realistic. Any amount of discount will cut your policy premium.

Companies and some of the discounts are:

• Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, online signing, and continuous coverage.
• MetLife offers premium reductions for good student, good driver, accident-free, claim-free, multi-policy, and defensive driver.
• Mercury Insurance may offer discounts for low natural disaster claims, type of vehicle, good driver, multi-policy, ease of repair, location of vehicle, and accident-free.
• Nationwide has savings for good student, Farm Bureau membership, business or organization, family plan, and accident-free.
• Geico has discounts for emergency military deployment, daytime running lights, seat belt use, good student, military active duty, and anti-lock brakes.
• AAA offers discounts including good student, pay-in-full, multi-car, anti-theft, and good driver.

When quoting, ask each company or agent which discounts you may be entitled to. Discounts may not apply to policies in every state. If you would like to see a list of companies who offer free insurance quotes, click this link.

The fastest way that we advise to compare car insurance rates is to know auto insurance companies will pay a fee to compare rate quotes. The only thing you need to do is give the companies some data like how much you drive, any included safety features, whether you are married, and level of coverage desired. That information gets sent immediately to multiple different insurance companies and you will get price comparisons within a short period of time.

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How to lower your insurance prices

Multiple criteria are used when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are more obscure like your continuous coverage or how financially stable you are.

• Pay more by driving carelessly – Even a single driving citation can increase rates by as much as twenty percent. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Drivers who get serious tickets like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
• Deter car thieves – Purchasing a vehicle with anti-theft technology or alarm system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your vehicle from being stolen.
• Where you reside factors in – Choosing to live in a rural area is a good thing if you are looking for the lowest rates. Less people means a lower chance of having an accident as well as less vandalism and auto theft. People who live in big cities tend to have more auto accidents and higher rates of accident claims. More time on the road means more chances of being involved in an auto accident.
• Get hitched and pay lower premiums – Being married can actually save you money when shopping for car insurance. It usually means you are more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.

Which policy gives me the best coverage?

When it comes to choosing the best car insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

• How much liability insurance is required?
• Does my personal policy cover me when driving out-of-state?
• When would I need additional glass coverage?
• Do I need motorclub coverage?
• What exactly is covered by my policy?
• What is UM/UIM insurance?
• Do I need PIP coverage since I have good health insurance?
• Should I put collision coverage on all my vehicles?
• Am I getting all the discounts available?
• I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Learn about car insurance coverages for a 1999 Dodge Stratus

Having a good grasp of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

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 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as pain and suffering, loss of income and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Stratus.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, fire damage, damage from flooding and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, pain medications, funeral costs and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

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Get your money’s worth

The cheapest 1999 Dodge Stratus insurance can be found on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers don’t offer internet price quotes and usually these smaller providers sell through independent insurance agents.

We just showed you quite a bit of information on how to compare 1999 Dodge Stratus insurance rates online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive insurance. You may even find the lowest priced car insurance comes from the smaller companies.

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, policy cancellation or delays in paying claims. Regardless of your reason for switching companies, finding a new company is easier than you think.

Additional resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Side Impact Crash Tests (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)

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