1997 Dodge Stratus Insurance Rates – 5 Discounts for Cheapest Quotes

Trying to find the cheapest auto insurance rates for your Dodge Stratus? Searching for the cheapest insurance for a Dodge Stratus can normally be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are more efficient ways to buy auto insurance so we’re going to tell you the proper way to price shop coverage for your Dodge and get the cheapest rates from both online companies and local agents.

It’s a great practice to do rate comparisons once or twice a year because auto insurance prices trend upward over time. Just because you found the best rate for Stratus insurance on your last policy you can probably find a better premium rate now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

If you are insured now or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Shopping for the cheapest car insurance is not that difficult. Vehicle owners just need to learn the most effective way to shop for car insurance online.

Free car insurance rate quotes

Effectively comparing car insurance prices can take time and effort if you don’t utilize the most efficient way. You can spend countless hours talking about coverages with insurance agencies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in an industry program where prospective buyers enter their policy data once, and every company then returns a price quote determined by their information. This system prevents you from having to do form submissions to each individual car insurance company. To find out how much you can save on car insurance click here (opens in new window).

The only downside to getting quotes like this is you can’t choose which carriers to get pricing from. If you would rather choose from a list of companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

Compare rates however you want, just be sure you’re using identical coverages with each company. If your comparisons have differing limits it will be very difficult to get a fair rate comparison.

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Five discounts for affordable insurance coverage quotes

Insurance coverage is not an enjoyable expense, but you can get discounts that can drop the cost substantially. A few discounts will be applied at quote time, but lesser-known reductions have to be requested specifically before being credited.

• Discount for Multiple Policies – When you combine your homeowners and auto insurance with one company you may save 10% to 20% off each policy.
• Passive Restraints – Cars that have air bags or automatic seat belts could see savings as much as 30%.
• Drive Less and Save – Maintaining low annual mileage can qualify you for lower rates on the low mileage vehicles.
• Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break on insurance coverage.
• No Accidents – Drivers who stay claim-free have much lower rates when compared with frequent claim filers.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, it’s just not the way it works. Any qualifying discounts should help reduce the cost of coverage.

To see companies that offer the discounts shown above, click here to view.

You may need specialized car insurance coverage

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can help discover if you might need an agent’s assistance.

• Am I covered when using my vehicle for business?
• What should my uninsured motorist coverage limits be in my state?
• Why am I required to get a high-risk car insurance policy?
• If I drive on a suspended license am I covered?
• Should I rate my 1997 Dodge Stratus as pleasure use or commute?
• Is my dog or cat covered if injured in an accident?
• How many claims can I have before being cancelled?
• Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Save $385 a year. For real?

Consumers can’t get away from ads that promise big savings for switching by Allstate, Geico and Progressive. They all tend to make the same promise that you can save just by moving your coverage.

How do they all have lower policy pricing? Just pay attention to how they say it.

All the different companies quote their best rates for the type of customer that earns them the highest profit. For instance, a desirable risk could possibly be between the ages of 30 and 50, has other policies, and has excellent credit. Any person that matches those criteria may get the lowest prices and as a result will probably save when switching.

Drivers who cannot meet those standards will probably have to pay a more expensive rate and the customer buying from someone else. The ad wording is “customers that switch” but not “everyone who gets a quote” can save as much as they claim. This is how insurance companies can make the claims of big savings.

Each company has different criteria, so it is so important to compare as many free insurance coverage quotes as you can. Because you cannot predict which auto insurance company will have the best prices.

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Auto insurance 101

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have 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. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like funeral expenses, legal defense fees, medical services, emergency aid and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, fire damage, hail damage, damage from getting keyed and hitting a deer. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Stratus.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Collision coverages – Collision coverage pays for damage to your Stratus from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, backing into a parked car, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, ambulance fees, hospital visits and chiropractic care. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Pennies from heaven

A few companies may not provide online price quotes and usually these regional carriers only sell coverage through local independent agents. Low-cost 1997 Dodge Stratus insurance is attainable online and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis.

In this article, we covered quite a bit of information on how to save on 1997 Dodge Stratus insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding affordable insurance coverage. You may be surprised to find that the lowest premium rates are with the least-expected company.

When searching for the cheapest insurance coverage quotes, do not reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Additional car insurance information is available at these links:

• Comprehensive Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)

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