Cheaper 2006 Dodge Stratus Insurance Rates

Want cheaper insurance rates for your Dodge Stratus? I doubt anyone fancies paying their premiums for insurance, especially when they could lower their rates if they shopped around.

Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates to get the best rate

It’s a great practice to quote other rates as often as possible because prices are usually higher with each renewal. Even if you think you had the best price for Stratus insurance a few years ago there may be better deals available now. Forget all the misinformation about insurance because you’re going to learn the fastest way to find better rates and still maintain coverage.

Insurance coverage quotes comparison

Many insurance companies allow you to get insurance quotes on their websites. This process doesn’t take a lot of time as you simply enter your personal and coverage information into a form. After you submit the form the quote system automatically retrieves reports for credit and driving violations and returns a price. Online quotes makes comparing rates easy, but having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s necessary to perform this step if you want to find the best price possible.

The preferred way to lower your rates uses one simple form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes quoting online much easier to do. Immediately after submitting the form, it is rated and you can choose any of the quote results.

If you find a better price you simply finish the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here and submit the form. To compare your current rates, we recommend you complete the form with the insurance coverages exactly as they are listed on your policy. Doing this assures you are getting a rate comparison based on identical coverages.

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The Dodge Stratus insurance rate equation

An important part of buying insurance is that you know the different types of things that are used to determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels, this enables informed choices that could help you find lower rates.

• Urban areas may pay more – Residing in a small town can be a good thing if you are looking for the lowest rates. Fewer drivers means reduced accidents and lower theft and vandalism rates. Drivers in populated areas have more road rage incidents and much longer commute distances. More time on the road statistically corresponds to a higher accident and claim rate.
• High deductibles equal low rates – Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. Some examples of covered claims could be a dented fender, vandalism, or theft. The deductibles you choose tell how much the insured will be required to pay if you file a covered claim. The more you are required to pay out-of-pocket, the less money you will pay for car insurance for Stratus insurance.
• Prevent theft and save money – Owning a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
• Drive fewer miles and save – The higher the mileage driven every year the higher your rate. Most companies charge rates based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates than vehicles that have high annual mileage. It’s a good idea to make sure your vehicle rating shows the correct usage for each vehicle. Incorrect rating for your Stratus is just wasting money.
• Credit history impacts premiums – Having a bad credit history is a big factor in determining your rates. If your credit history is lower than you’d like, you could be paying less to insure your 2006 Dodge Stratus if you clean up your credit. Drivers who have high credit scores tend to file fewer claims and have better driving records than those with worse credit.
• Decrease prices by maintaining coverage – Not maintaining insurance is against the law and you will pay a penalty because you let your insurance coverage expire. Not only will you pay more, getting caught without coverage could earn you a fine, jail time, or a revoked license.
• Men pay higher premiums – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean females are better at driving than males. Females and males have auto accidents in similar percentages, but the males have costlier accidents. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
• Frequent car insurance claims increase prices – If you file a lot of claims you can pretty much guarantee higher rates. Auto insurance companies give the lowest premiums to drivers who only file infrequent claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

Do you qualify for discount insurance coverage?

Insurance coverage is not inexpensive, but discounts can save money and there are some available that could help you make your next renewal payment. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be specifically requested prior to receiving the credit.

• Sign Online – Certain larger companies will give a small break shop car insurance digitally online.
• Early Payment Discounts – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Passenger Safety Discount – Factory options such as air bags may get savings up to 30%.
• Home Ownership Discount – Owning a house can save you money because maintaining a house requires a higher level of personal finance.
• Driver Safety – Successfully completing a driver safety class is a good idea and can lower rates and make you a better driver.
• Military Rewards – Being on active duty in the military could be rewarded with lower rates.
• Auto/Home Discount – When you have multiple policies with one insurance company you will save nearly 15% which can help you find affordable car insurance.
• Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
• Discount for Life Insurance – Some companies give a small discount if you purchase life insurance from them.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, you’re out of luck. Any qualifying discounts will definitely lower your overall premium however.

Larger insurance coverage companies and a selection of discounts can be read below.

• State Farm may offer discounts for multiple policy, student away at school, good driver, driver’s education, multiple autos, safe vehicle, and anti-theft.
• Farmers Insurance offers discounts including electronic funds transfer, teen driver, business and professional, homeowner, good student, bundle discounts, and early shopping.
• Geico discounts include daytime running lights, five-year accident-free, seat belt use, federal employee, driver training, and defensive driver.
• American Family may have discounts that include TimeAway discount, multi-vehicle, air bags, early bird, Steer into Savings, defensive driver, and mySafetyValet.
• Nationwide may include discounts for defensive driving, good student, multi-policy, family plan, Farm Bureau membership, and easy pay.
• Progressive has discounts for continuous coverage, homeowner, multi-policy, online quote discount, online signing, and multi-vehicle.

When comparing rates, check with all companies you are considering which discounts you may be entitled to. A few discounts may not apply to policyholders in your area. To find insurance companies that can offer you the previously mentioned discounts, click here to view.

What insurance coverages do I need?

When buying proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help you determine whether or not you will benefit from professional help.

• Do I need medical payments coverage since I have good health insurance?
• How much liability do I need to cover my assets?
• Should I have combined single limit or split liability limits?
• Should I file a claim if it’s only slightly more than my deductible?
• Should I buy more coverage than the required minimum liability coverage?
• Do I have newly-aquired coverage?
• Should I waive the damage coverage when renting a car?
• I have a DUI can I still get coverage?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

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Auto insurance coverage information

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills for things like chiropractic care, doctor visits and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Auto liability – Liability coverage can cover damage or injury you incur to people or other property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

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 per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, structural damage, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, theft, hitting a deer and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance will pay to fix damage to your Stratus resulting from a collision 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 things such as colliding with a tree, colliding with another moving vehicle, driving through your garage door, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM Coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2006 Dodge Stratus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Shop around and save

There are still a few companies who do not provide price quotes online and these small insurance companies sell through local independent agencies. Lower-priced auto insurance can be purchased on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

You just read a lot of techniques to compare 2006 Dodge Stratus insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from a lesser-known regional company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Additional information is located below:

• Auto Theft Statistics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

Enter your zip code below to view companies that have cheap auto insurance rates.

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