1999 Dodge Stratus Insurance Quotes – 5 Ways to Save

Tired of being strong-armed each month for car insurance? You are in the same boat as the majority of other car owners.

Since consumers have many online and local companies to choose from, it can be challenging to choose the most affordable insurer.

This article will help you learn the best way to quote coverages and some money-saving tips. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Although drivers must understand the way companies determine prices because it can help you find the best coverage.

The easiest way to get rate comparisons utilizes the fact car insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is give the companies some data like if a SR-22 is needed, marital status, the year, make and model of vehicles, and how many miles driven. That rating information is instantly submitted to insurance companies and you will get price comparisons immediately.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Where can I find high-risk insurance?
  • How do I buy GAP insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I have a commercial auto policy?
  • Where can I find DUI or SR-22 insurance?
  • When would I need rental car insurance?
  • Am I getting all the discounts available?
  • Will filing a claim cost me more?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

The coverage is in the details

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hitting a deer, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance will pay to fix damage to your Stratus resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage pay for bills like EMT expenses, funeral costs, pain medications and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, legal defense fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.