Lower Your 1998 Dodge Stratus Insurance Quotes

Trying to find better auto insurance rates for your Dodge Stratus? Scraping up a payment for high-priced Dodge Stratus insurance can dry up your savings account and require stricter spending habits. Comparing price quotes is a great way to tighten up your finances.

Due to the increasing number of insurance providers from which to choose, it can be impossible to find the lowest price auto insurance company.

This information will instruct you on how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to know the most efficient way to shop over the internet.

How much does insurance cost?

Most of the larger companies such as Allstate, Geico and Progressive allow consumers to get price estimates direct online. The process is very simple as all you need to do is type in your coverage preferences on the page. After the form is submitted, their system sends out for credit information and your driving record and quotes a price determined by many factors. Being able to quote online streamlines rate comparisons, but having to visit many different websites and type in your information is repetitive and time-consuming. But it’s very important to have as many quotes as possible in order to get the best price on insurance.

A quicker way to compare rates makes use of a single form to obtain quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier. After sending your information, it is quoted and you are able to buy any one of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process only takes a few minutes and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you type in deductibles and limits exactly as they are listed on your policy. This ensures you will have rate comparison quotes for similar insurance coverage.

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Car insurance policy discounts

Not many people think insurance is cheap, but there could be significant discounts that can help lower your rates. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be requested specifically before you get the savings.

• Bundle and Save – When you combine your auto and home insurance with the same insurance company they may give you a discount of up to 20% and get you affordable insurance coverage.
• Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• Discount for New Cars – Buying car insurance coverage on a new vehicle can save you some money due to better safety requirements for new vehicles.
• No Claims – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote when compared with bad drivers.
• Resident Student – Kids who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
• Membership in Organizations – Joining certain professional organizations could qualify you for a break on car insurance.
• Theft Deterent Discount – Cars and trucks equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.

Auto insurance companies that may offer quotes with most of these discounts possibly include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

When comparing rates, check with all the companies how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in every state. To locate companies with discount car insurance rates, click here.

How do I know if I need professional advice?

When buying coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

• Should I buy more coverage than the required minimum liability coverage?
• Will my insurance pay for OEM parts?
• What is PIP insurance?
• Do I need an umbrella policy?
• Am I covered if I hit a deer?
• Do I need replacement cost coverage on my 1998 Dodge Stratus?
• Does coverage extend to a rental car in a foreign country?
• Am I covered when driving on a suspended license?
• What if I total my 1998 Dodge Stratus and owe more than it’s worth?
• When should I not file a claim?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Collision coverages – Collision insurance covers damage to your Stratus resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – This will cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, medical expenses, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Stratus.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, damage from flooding, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for EMT expenses, chiropractic care, funeral costs, prosthetic devices and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

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Shop smart and save

We covered a lot of ways to compare 1998 Dodge Stratus insurance prices online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits only to regret that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Other resources

• Credit and Insurance Scores (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Safety Tips for Teen Drivers (Insurance Information Insitute)

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