Cheaper 2003 Dodge Intrepid Insurance Rates

No one looks forward to paying premiums for insurance coverage, especially when they know the prices are way too high.

With so many companies and agents to choose from, it can be diffult for people to locate the lowest cost company.

The easiest way to get policy rate comparisons utilizes the fact auto insurance companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details including whether you have decent credit, which vehicles you own, daily mileage, and how much education you have. That rating information is sent automatically to all major companies and you will get price comparisons immediately.

To find the cheapest 2003 Dodge Intrepid insurance rates, click here and complete the quick form.

You can change your insurance rates

Consumers need to have an understanding of some of the things that aid in calculating your premiums. If you have some idea of what determines premiums, this enables you to make decisions that can help you get lower premium levels.

• Safety first – Safe vehicles tend to be cheaper to insure. Vehicles built for safety reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
• How do annual miles impact premiums? – The more you drive your Dodge each year the higher your rates will be. A lot of companies calculate prices based on their usage. Cars not used for work or commuting receive better premium rates compared to those used for work or business. Verify your car insurance policy reflects the proper vehicle usage. An improperly rated Intrepid is throwing money out the window.
• Poor driving leads to higher costs – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better prices than bad drivers. Even one moving violation may cause rates to rise twenty percent or more. Drivers who get multiple violations such as DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent their license from being revoked.
• Male costs may be higher – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Males and females are responsible for auto accidents in similar percentages, but guys tend to have more serious accidents. Not only that, but men also receive more costly citations such as DWI and reckless driving. Young men ages 16 to 20 have the highest risk to insure so it costs more to insure them.
• Your occupation can affect premiums – Did you know your career choice can influence rates? Occupations like doctors, executives and miners generally have higher premiums than the average policyholder attributed to high stress and lots of time spent away from family. On the other hand, jobs such as actors, students and performers pay the least on Intrepid coverage.
• Your location is important – Having an address in small towns and rural areas can save you money when buying car insurance. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have more auto accidents and more time behind the wheel. Spending more time driving statistically corresponds to a higher accident and claim rate.

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More discounts mean cheaper premiums

Some insurance providers don’t list every possible discount in a way that’s easy to find, so the following list contains both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

• One Accident Forgiven – but some companies like Geico and Liberty Mutual may permit one accident without raising rates as long as you don’t have any claims for a specific time period.
• Include Life Insurance and Save – Not all auto insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
• New Car Discount – Buying insurance coverage on a new vehicle is cheaper because new vehicles are generally safer.
• 55 and Retired – Drivers over the age of 55 are able to get a slight reduction on a insurance quote on Intrepid coverage.
• Good Student Discount – Maintaining excellent grades can save 20 to 25%. This discount can apply well after school through age 25.
• Good Driver Discount – Drivers without accidents can save as much as half off their rates on Intrepid coverage than their less cautious counterparts.
• Switch and Save Discount – A few auto insurance companies offer discounts for renewing your policy prior to your current policy expiration. It can save you around 10%.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

• American Family may have discounts that include TimeAway discount, Steer into Savings, good student, mySafetyValet, and air bags.
• Farm Bureau has discounts for driver training, renewal discount, good student, multi-vehicle, youthful driver, 55 and retired, and multi-policy.
• State Farm includes discounts for good student, driver’s education, defensive driving training, multiple autos, anti-theft, Drive Safe & Save, and accident-free.
• Travelers policyholders can earn discounts including good student, multi-car, save driver, payment discounts, and new car.
• The Hartford offers discounts for anti-theft, bundle, good student, vehicle fuel type, driver training, and air bag.
• Geico offers premium reductions for anti-lock brakes, air bags, anti-theft, good student, multi-policy, and driver training.
• Progressive may offer discounts for online signing, continuous coverage, multi-policy, good student, homeowner, multi-vehicle, and online quote discount.

If you need lower rates, check with all the companies to give you their best rates. Some of the earlier mentioned discounts may not apply in every state. To locate companies with the best discounts, follow this link.

It’s not one size fits all

When choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might help in determining if your situation may require specific advice.

• Should I carry comprehensive and collision coverage?
• When can my company non-renew my policy?
• Should I have combined single limit or split liability limits?
• Is my teen driver covered when they drive my company car?
• Should I buy more coverage than the required minimum liability coverage?
• Why does it cost so much to insure a teen driver?
• Is a fancy paint job covered?
• Am I better off with higher deductibles on my 2003 Dodge Intrepid?
• Does my 2003 Dodge Intrepid need full coverage?
• Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Coverage specifics

Understanding the coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Intrepid.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability auto insurance

Liability insurance can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

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 might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, pain and suffering, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage covers damage to your Intrepid from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter, damaging your car on a curb, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, surgery, EMT expenses and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

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More quotes. Lower rates.

In this article, we covered a lot of techniques to reduce 2003 Dodge Intrepid insurance premium rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

When getting insurance quotes online, never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

For more information, link through to the resources below:

• How to Avoid Staged Accidents (State Farm)
• Crash Avoidance Technologies FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)

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