Dodge Stratus Insurance Quotes

You have many choices when attempting to insure your Dodge vehicle. You can either contact your neighborhood insurance agent or go online to check prices from many different car insurance companies. Shopping for car insurance through online rate quotes can be fast and easy, in addition you will probably save money.

If shopping for car insurance online is new to you, you may be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes and find the best price. The fastest way to find competitive Stratus insurance quotes consists of shopping online. This is very easy and can be done by completing this short form.

FREE Car Insurance Comparison

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Dodge Stratus can fluctuate considerably depending on several factors. A few of these criteria are:

Higher performance Stratus vehicles cost more
Accidents raise premiums
Whether you insure your home with the same company
How you use your vehicle
Your age
Having a spouse can save money
Optional coverages like vehicle replacement
Your profession
Insurance coverage level
Owning a home can lower rates

One last important factor that will help determine the rate you pay on your Dodge is the year of manufacture. Older cars and trucks have a much lower replacement value so the costs to repair may result in lower rates. Although newer models may have options included like autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Stratus from the following list.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Dodge from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper Stratus insurance rates.

Comprehensive auto coverage

This pays to fix your vehicle from 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. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Stratus Insurance Rates?

Dodge Stratus Insurance Rates