2004 Dodge Intrepid Insurance Quotes

Sick and tired of wondering where the money will come from to buy insurance coverage? You’re in the same situation as most other vehicle owners.

With vehicle owners having so many choices, it can be challenging to locate the cheapest insurance coverage company.

The purpose of this post is to familiarize you with how car insurance quotes work and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Nevertheless, car owners do need to understand how insurance companies sell insurance online and take advantage of how the system works.

Cheap auto insurance quotes

All major auto insurance companies like Progressive, Geico, Allstate and State Farm provide coverage price quotes directly from their websites. Obtaining pricing is pretty painless as you simply enter your coverage preferences on the page. Once entered, the system automatically retrieves information on your driving record and credit history and returns pricing information based on these factors. Online price estimates streamlines rate comparisons, but having to visit multiple sites and complete many quote forms can be a bit repetitive. But it’s also necessary to do this in order to find a lower rate.

A quicker way to find lower prices utilizes a single form to obtain quotes from multiple companies. It saves time, eliminates repetitive work, and makes quoting online a little more enjoyable. Once the form is submitted, it is quoted and you are able to buy your choice of the resulting price quotes.

If you find a better price you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

If you want to find out how much you can save on auto insurance, click here and input your coverage information. If you have a policy now, it’s recommended you enter the coverage information as shown on your current policy. This way, you will have a price comparison for the exact same coverage.

Discounts can really help to save

Some companies do not advertise all possible discounts very clearly, so we took the time to find some of the more common and also the lesser-known credits available to bring down your rates.

• Active Service Discounts – Having an actively deployed family member could trigger a small discount.
• Professional Memberships – Being in qualifying clubs or civic groups may earn a discount on your next renewal.
• Payment Method – By paying your entire bill at once rather than paying monthly you could save up to 5%.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
• Multi-Vehicle Discounts – Buying insurance for several vehicles on one policy can get a discount on all vehicles.
• Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
• Accident-Free Discounts – Claim-free drivers can save substantially in comparison with bad drivers.
• Paperwork-free – Some insurance companies may give you up to $50 for buying your policy online.
• Switch and Save Discount – Some insurance companies provide a discount for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount will help reduce your insurance premiums.

A list of insurance companies and some of the premium reductions they offer include:

• Progressive offers premium reductions for multi-policy, online signing, online quote discount, continuous coverage, homeowner, multi-vehicle, and good student.
• MetLife may include discounts for claim-free, multi-policy, accident-free, good student, good driver, defensive driver
• Mercury Insurance may have discounts that include multi-car, anti-theft, professional/association, good student, annual mileage, and low natural disaster claims.
• Nationwide discounts include defensive driving, multi-policy, good student, anti-theft, Farm Bureau membership, and business or organization.
• Geico may offer discounts for federal employee, multi-vehicle, seat belt use, membership and employees, and air bags.
• AAA offers discounts for AAA membership discount, good student, good driver, multi-car, and education and occupation.

Before you buy a policy, ask each company or agent which discounts they offer. Some of the discounts discussed earlier may not be available everywhere. If you would like to see a list of companies with the best insurance discounts, click this link.

Will just any policy work for me?

When buying the best insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining if your situation may require specific advice.

• Can my teen driver be rated on a liability-only vehicle?
• Does my policy cover me when driving someone else’s vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is the difference between comprehensive and collision coverage?
• If my 2004 Dodge Intrepid is totaled, can I afford another vehicle?
• How do I file an SR-22 for a DUI in my state?
• Is other people’s property covered if stolen from my vehicle?
• Why do I need rental car insurance?
• Why does it cost so much to insure a teen driver?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Parts of your car insurance policy

Having a good grasp of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, surgery, pain medications and chiropractic care. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Intrepid.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage

This covers damage to your Intrepid caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance

This provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

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

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, theft, hitting a bird, damage from flooding and hail damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.