Cheaper 1993 Dodge Intrepid Insurance Quotes

Want cheaper auto insurance rates for your Dodge Intrepid? Trying to find cheaper insurance for a new or used Dodge Intrepid could be a painful process, but you can use a few tricks to make it easier. There is a better way to compare auto insurance rates and you need to know the best way to quote coverages for a new or used Dodge and locate the lowest possible price from local insurance agents and online providers.

Smart consumers take time to shop coverage around on a regular basis because auto insurance prices go up and down regularly. Even if you got the best quotes on Intrepid coverage on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to find better coverage at a better price.

Buy auto insurance online

The majority of larger companies give prices for coverage from their websites. Getting prices online is pretty painless as you just type in the coverages you want into the quote form. After the form is submitted, their system pulls credit information and your driving record and quotes a price based on the data you entered.

Online price estimates makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively type in the same data gets old quite quickly. But it’s also necessary to perform this step if you are searching for a better rate.

There is a better way to compare rates

The easiest way to find better auto insurance pricing uses one form that analyzes rates from more than one company. This type of form saves time, reduces the work, and makes quoting online much easier to do. As soon as you send your information, it is quoted and you are able to buy any or none of the price quotes you receive. If a lower price is quoted, you can click and sign and buy the policy. This process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend that you enter exactly as shown on your declarations page. This way, you will get rate quotes based on similar coverages.

Misconceptions in car insurance advertisements

Consumers can’t avoid all the ads that promise big savings for switching by Progressive, GEICO, Allstate and State Farm. All the ads make the same claim that you can save just by switching to them.

How does each company sell you cheaper insurance coverage? Here is how they do it.

Different companies look for specific characteristics for the type of driver that will add to their bottom line. An example of a desirable risk might have to be a mature driver, has no claims, and has excellent credit. A driver that fits those parameters will get very good auto insurance rates and will most likely cut their rates if they switch.

Potential customers who don’t measure up to those criteria may be forced to pay higher rates which usually ends up with the customer buying from someone else. The wording the ads use say “people who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently make those claims. Because every company is different, you should do a quote comparison often. It is impossible to guess with any certainty which company will provide the lowest rates.

Car insurance discounts are available to lower your rates

Some companies do not list every discount in an easy-to-find place, so the following list contains a few of the more well known and also the more inconspicuous car insurance savings. If you’re not getting every credit you qualify for, you may be paying too high a price.

  • More Vehicles More Savings – Insuring primary and secondary vehicles with one company could earn a price break for each car.
  • College Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college could get you a discount.
  • Discount for Swiching Early – A few larger companies give discounts for buying a policy before your current coverage expires. It can save you around 10%.
  • Senior Citizen Rates – Seniors can possibly qualify for lower premium rates on Intrepid coverage.
  • Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you may earn 10% to 20% off each policy.
  • ABS Braking Discount – Cars with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Low Mileage Discounts – Low annual miles can earn slightly better rates than normal.

Remember that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will lower the amount you have to pay.

A few companies that may offer these discounts may include but are not limited to:

If you need lower rates, check with every company which discounts you may be entitled to. Depending on the company, some discounts might not apply in your area. To locate providers who offer car insurance discounts, follow this link.

Everyone needs different insurance coverage coverages

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine if your situation might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • Should I get collision insurance on every vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teenager covered with friends in the car?
  • Are all vehicle passengers covered by medical payments coverage?
  • What companies insure drivers after a DUI or DWI?
  • Do I have newly-aquired coverage?
  • Should I rate my 1993 Dodge Intrepid as pleasure use or commute?
  • What discounts do I qualify for?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision – This pays for damage to your Intrepid resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, a broken windshield, damage from flooding, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for EMT expenses, nursing services, funeral costs and pain medications. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage provides protection from damage that occurs to other people or property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

More quotes mean more savings

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. In many instances, drivers have reduced collision coverage only to discover later that it was a big error on their part. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

You just read a lot of ways to lower your 1993 Dodge Intrepid insurance rates. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable insurance. You may even find the most savings is with the smaller companies.

Cheaper auto insurance can be purchased on the web and from local agencies, and you should be comparing both to have the best selection. Some companies don’t offer the ability to get quotes online and usually these regional carriers only sell through local independent agencies.

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