Cheap 2003 Dodge Intrepid Insurance Cost

Searching for the cheapest car insurance rates for your Dodge Intrepid? Price shopping your car insurance can be a challenge for people who are new to shopping for insurance online. People have so many companies to choose from that it can turn into more work than you anticipated to find lower rates.

It’s a good idea to shop coverage around on a regular basis due to the fact that insurance rates tend to go up over time. Just because you found the best price on Intrepid insurance last year the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online but by reading this article, you’re going to learn the best ways to stop overpaying for insurance.

Impacting insurance rates for a Dodge Intrepid

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with lower insurance coverage prices.

Shown below are a partial list of the pieces companies use to determine rates.

  • Lower rates come with age – More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teen drivers tend to be more careless when driving and because of this, their insurance coverage rates are much higher.
  • Marriage pays dividends – Being married helps lower the price on insurance coverage. Having a significant other translates into being more mature and responsible and statistics show drivers who are married are more cautious.
  • Pleasure use or commuting – The higher the mileage driven in a year the more you will pay for insurance coverage. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage receive lower rates than those used for commuting. Having the wrong rating on your Intrepid can result in significantly higher rates. Make sure your insurance coverage declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Dodge Intrepid earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Do you work long hours in a high stress job? – Did you know your insurance coverage rates can be affected by your occupation? Occupations like judges, business owners and stock brokers have the highest rates attributed to stressful work requirements and lengthy work days. On the other hand, jobs such as farmers, students and homemakers get better rates on Intrepid insurance.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you when you are found liable for damages from an accident. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.

Best discounts on 2003 Dodge Intrepid coverage

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Intrepid insurance than less cautious drivers.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Club Memberships – Participating in certain professional organizations could trigger savings on your policy on Intrepid insurance.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Save over 55 – Older drivers may be able to get a discount up to 10% on Intrepid insurance.
  • Sign Online – A few companies may give you up to $50 simply for signing online.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.

Companies that may offer these benefits include:

Before buying, ask each company which discounts they offer. Some discounts might not apply in your state.

Do drivers who switch really save $435 a year?

Companies like State Farm and Allstate consistently run ads on television and other media. All the ads make the same claim about savings if you change to their company. How does each company claim to save you money?

Different companies have a certain “appetite” for the type of driver that makes them money. For example, a profitable customer could possibly be a mature driver, insures multiple vehicles, and has a high credit rating. Any driver who fits that profile gets the lowest rates and as a result will probably save when they switch companies.

Consumers who don’t meet this ideal profile will have to pay a higher premium and ends up with the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can claim big savings. Because of the profiling, you absolutely need to get quotes from several different companies. You cannot predict which company will provide you with the cheapest Dodge Intrepid insurance rates.

Tailor your coverage to you

When buying coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions can help discover whether or not you could use an agent’s help.

  • Who is covered when they drive my 2003 Dodge Intrepid?
  • What are the best liability limits?
  • Is my 2003 Dodge Intrepid covered for flood damage?
  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my car?
  • Does my insurance cover a custom paint job?
  • Is pleasure use cheaper than using my 2003 Dodge Intrepid to commute?
  • Do I benefit by insuring my home with the same company?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

The coverage is in the details

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, nursing services, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Intrepid resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Intrepid.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, vandalism and hail damage. The maximum amount you can receive from a comprehensive claim 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.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover 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. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like legal defense fees, court costs and attorney fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Keep this in mind

We just presented a lot of information how to compare 2003 Dodge Intrepid insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best price on insurance is with some of the lesser-known companies.

Affordable insurance can be sourced on the web as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at an affordable rate.

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