2002 Dodge Intrepid Insurance Cost – 10 Ideas for Cheaper Prices

Drivers have a choice when trying to find low-cost Dodge Intrepid insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates.

There is a right way and a wrong way to compare insurance rates and you need to know the quickest way to compare rates for your Dodge and find the cheapest rates.

Smart consumers take time to check insurance prices at least once a year because prices change frequently. Despite the fact that you may have had the lowest rate on Intrepid coverage a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the best ways to properly buy coverages while reducing your premium.

If you have a current insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. The purpose of this post is to help educate you on how to effectively get price quotes and some money-saving tips. Consumers only need an understanding of the proper methods to compare rates over the internet.

Auto insurance policy discounts you can’t miss

Some providers don’t always advertise every policy discount in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find auto insurance savings. If you check and find you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off on Intrepid coverage with certain companies.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
• Waiver for an Accident – Not a discount per se, but a few companies such as Geico, State Farm, and Progressive will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
• Auto/Life Discount – Auto insurance companies who offer life insurance give a break if you buy auto and life insurance together.
• Good Student – This discount may save you up to 25%. The good student discount can last well after school through age 25.
• Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save a little off the personal injury premium cost.
• Paper-free Discount – Some of the larger companies give back up to $50 shop insurance on the internet.
• Mature Driver Discount – Mature drivers can get a discount up to 10% on Intrepid coverage.
• Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less on Intrepid coverage compared to accident prone drivers.
• Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.

Just know that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

Car insurance companies that have these money-saving discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

It’s a good idea to ask all the companies how many discounts you can get. Some discounts might not be offered on policies everywhere. To see auto insurance companies that offer discounts, follow this link.

Insurance agents can help

When it comes to choosing the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

• Should I buy full coverage?
• Am I covered when driving a rental car?
• How much can I save by bundling my policies?
• Do I need motorclub coverage?
• How does medical payments coverage work?
• Is my Dodge Intrepid covered if I use it for business?
• Will filing a claim cost me more?
• Can I afford to buy a different vehicle if my 2002 Dodge Intrepid is totaled?
• Do I need rental car coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

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 liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as attorney fees, bail bonds, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a deer, theft, vandalism and hitting a bird. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses for things like nursing services, X-ray expenses, funeral costs, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Intrepid.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage on a shoestring budget

Budget-conscious 2002 Dodge Intrepid insurance can be purchased online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online rate quotes and usually these smaller companies only sell coverage through independent insurance agencies.

People who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, denial of a claim and unfair underwriting practices. Whatever your reason, finding the right car insurance provider is actually quite simple.

When shopping online for car insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage only to regret that it was a big mistake. The ultimate goal is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

To read more, link through to the resources below:

• Distracted Driving Statistics (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Auto Insurance 101 (About.com)