1998 Dodge Intrepid Insurance Cost

Consumers have a choice when looking for the best price on Dodge Intrepid insurance. They can either waste time contacting agents to get rate comparisons or use the internet to find the lowest rates. There is a better way to find auto insurance online so you’re going to learn the quickest way to price shop coverage for your Dodge and find the best price possible from local insurance agents and online providers.

It’s a great practice to compare rates occasionally because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for Intrepid insurance a year ago there is a good chance you can find better rates now. So just block out anything you think you know about auto insurance because it’s time to teach you how to use online quotes to save on auto insurance.

Auto Insurance Comparisons

Cutting your auto insurance rates is a fairly straight forward process. You just need to take the time comparing rates online with multiple companies. This can be done using a couple different methods.

One of the simplest ways to find low rates is to use a rate comparison form (click to open form in new window). This form keeps you from doing separate quote forms for each company. Completing one form gets rate comparisons from multiple companies. This is by far the quickest method.
A more time consuming way to compare prices is to manually visit the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s assume you want rates from Farmers, State Farm and Liberty Mutual. You would have to visit each site and enter your information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make darn sure you compare the exact same coverages on every quote you get. If your comparisons have different limits and deductibles on each one you can’t possibly truly determine the lowest rate.

Lots of discounts mean lots of savings

Car insurance companies do not advertise all available discounts in a way that’s easy to find, so we break down some of the more common and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount you deserve, you are paying more than you should be.

Multiple Policy Discount – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Own a Home – Owning a home can save you money because maintaining a house demonstrates responsibility.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

For a list of providers with discount auto insurance rates, click here to view.

Situations that might require an agent

When choosing coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

Will I lose any money if I cancel my policy before it expires?
Is rental equipment covered for theft or damage?
Should I bundle my homeowners policy with my auto?
When would I need additional glass coverage?
What if I don’t agree with a claim settlement offer?
Do I need PIP (personal injury protection) coverage in my state?
Are rental cars covered under my policy?
How do I buy GAP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Specific coverages for a 1998 Dodge Intrepid

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, damage from getting keyed and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as bail bonds, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your Intrepid resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a building, hitting a mailbox and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like funeral costs, prosthetic devices, ambulance fees, nursing services and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage