1997 Dodge Intrepid Car Insurance Cost – 10 Discounts for Cheaper Prices

Drivers have a choice when trying to find low-cost Dodge Intrepid insurance. You can either waste hours driving around to compare prices or use the internet to get rate quotes.

There are more efficient ways to find insurance coverage online and you need to know the absolute fastest way to price shop coverage for a Dodge and find the cheapest rates from both online companies and local agents.

Insurance discounts are available to lower your rates

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Some trigger automatically when you complete an application, but occassionally some discounts must be requested specifically prior to getting the savings.

• Active Service Discounts – Having an actively deployed family member could be rewarded with lower prices.
• No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
• Early Renewal Discounts – A few larger companies offer discounts for buying a policy before your current coverage expires. You could save around 10% when you buy car insurance online.
• Student Discounts – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Passive Restraints – Options like air bags may earn rate discounts of 25 to 30%.
• Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
• Multi-line Discount – Insurance carriers who offer life insurance give a discount if you purchase life insurance.
• Student Driver Training – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
• Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Discount for Home Ownership – Just owning your own home can save you money since owning and maintaining a home is proof that your finances are in order.

As a sidenote, many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

Some of the insurance companies that may offer quotes with some of the above discounts possibly include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

Before you buy a policy, ask every company which discounts you qualify for. Some discounts listed above might not apply in your area. If you would like to see a list of insurers offering insurance discounts, follow this link.

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Everyone needs different auto insurance coverages

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• I have health insurance so do I need medical payments coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered if I break a side mirror?
• When should my teen driver be added to my policy?
• Is my Dodge Intrepid covered if I use it for business?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Brand name doesn’t guarantee savings

Consumers can’t get away from all the ads for cheaper auto insurance by companies like Progressive, Allstate and Geico. They all seem to seem to make the promise that you can save if you change your auto insurance policy to them.

How does every company charge you less for car insurance? This is the trick they use.

All companies have specific characteristics for the type of customer that will most likely be profitable. For instance, a desirable insured might be between the ages of 40 and 55, has a clean driving record, and drives a vehicle with a low ISO rating. Anybody that meets those criteria will get the preferred premium rates and as a result will probably save if they switch.

Consumers who do not fit these criteria must pay higher rates which translates to the customer buying from someone else. The ads state “people who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully advertise the savings.

This really drives home the point why it is so important to do a quote comparison often. Because without a comparison, you cannot know the company that will have the best prices at this point in time.

Learn about car insurance coverages for a 1997 Dodge Intrepid

Having a good grasp of your car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding 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 can pay for things like driving through your garage door, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills for ambulance fees, prosthetic devices and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses 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. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Liability coverage – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see 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 attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects, damage from getting keyed, hitting a bird and hitting a deer. The highest amount your car 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.

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Be a smart shopper

Some companies may not provide online price quotes and many times these regional carriers only sell coverage through independent agents. The cheapest 1997 Dodge Intrepid insurance can be bought from both online companies as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Insureds switch companies for a number of reasons such as high prices, an unsatisfactory settlement offer, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

In this article, we presented a lot of information how to reduce 1997 Dodge Intrepid insurance premium rates online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Consumers may even find the best premium rates are with some of the smallest insurance companies.

Additional car insurance information can be read below:

• Senior Drivers (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)

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