Lower Your 1994 Dodge Intrepid Car Insurance Cost

Trying to find cheaper car insurance rates for your Dodge Intrepid? No one in their right mind likes buying car insurance, especially when they know the cost is too high. Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to get the lowest cost out there.

Smart consumers take time to get comparison quotes on a regular basis since rates are adjusted regularly by insurance companies. If you had the best deal on Intrepid insurance six months ago there may be better deals available now. Forget all the misinformation about car insurance because you’re going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

If you are insured now or are shopping for new coverage, you can use this information to find better prices and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to learn how to shop on the web.

How much is car insurance?

Getting a cheap price on 1994 Dodge Intrepid insurance can be relatively painless. All you need to do is invest a little time comparing rates from some recommended companies. Insurance prices can be quoted in a couple of different ways.

  1. The fastest and easiest way to find low rates would be an industry-wide quote request form click to view form in new window. This quick form keeps you from doing boring form submissions for every prospective company. One quote request gets you coverage quotes from car insurance companies with the best prices.
  2. A different way to get comparison quotes consists of going to each company website and request a quote. For sake of this example, let’s say you are doing a rate comparison from Farmers, Safeco and GEICO. To get each rate you have to go to each individual site and repeatedly enter your information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
  3. The hardest way to comparison shop rate quotes is to spend your day driving to local insurance agencies. Quoting online eliminates the need for an insurance agent unless you want the personal advice of a licensed agent. You can, however, get the lowest quotes online and have a local agent actually service the policy.

However you get your quotes, try to use identical quote information on every quote you get. If each company quotes different values for each quote it will be next to impossible to make a fair rate comparison.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Are rock chip repairs covered?
  • Does medical payments coverage apply to all occupants?
  • What is no-fault insurance?
  • When should I buy a commercial auto policy?
  • Which is better, split liability limits or combined limits?
  • Why am I required to buy liability insurance?
  • Is my 1994 Dodge Intrepid covered for flood damage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance policy coverages for a 1994 Dodge Intrepid

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from getting keyed, hail damage and hitting a bird. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for 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. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Liability coverages

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as emergency aid, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, doctor visits, surgery, rehabilitation expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays for damage to your Intrepid resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.