Cheap 1995 Dodge Stratus Insurance Quotes

Drivers have a choice when trying to find the best price on Dodge Stratus insurance. You can either waste hours driving around to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to find auto insurance online and you need to know the absolute fastest way to price shop coverage on a Dodge and find the cheapest rates.

Why you might pay higher rates

Many things are used when premium rates are determined. Some factors are common sense like a motor vehicle report, but other criteria are more transparent like where you live or how financially stable you are.A large part of saving on auto insurance is knowing the rating factors that aid in calculating your policy premiums. If you have some idea of what influences your rates, this helps enable you to make changes that will entitle you to lower rates.

  • Marriage is a factor – Having a significant other may save some money compared to being single. Having a spouse may mean you are more financially stable and statistics show married drivers tend to have fewer serious accidents.
  • Only buy what you need – There are a ton of extra bells and whistles that you can get tricked into buying if you don’t pay attention. Insurance for things like coverage for rental cars, towing, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if you have no use for them remove them from your policy.
  • Do you qualify for a multi-policy discount? – Most major insurers will give better rates to policyholders that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money.
  • Don’t cancel your policy without a new one in place – Letting your insurance expire is a sure-fire way to trigger a rate increase. In addition to paying higher premiums, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Optional features that lower auto insurance rates – Buying a car that has an advanced theft prevention system can earn a premium discount. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
  • Safer occupants lowers auto insurance rates – Vehicles with good safety scores get lower rates. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates.
  • Consider raising deductibles – Insurance for physical damage to your car, aka comp and collision, insures against damage to your Dodge. A few examples of covered claims could be collision with another vehicle, flood damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more expense you have to pay, the better rate you will receive for Stratus coverage.
  • Put fewer miles on your vehicle – The higher the miles on your Dodge in a year the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars that sit idle most of the time can be on a lower rate level than those used for commuting. Having an incorrect usage rating on your Stratus may be wasting your money. It’s always a good idea to double check that your auto insurance policy states how each vehicle is driven.

Cheapest insurance coverage quotes

Finding a better price on insurance coverage is actually easier than you may think. Consumers just need to spend a little time comparing price quotes to find out which insurance company has low cost car insurance quotes. Comparing prices online can be done by using one of the methods below.

  1. If you are pressed for time, the simplest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for each price estimate. A single form will return quotes from several companies. It’s definitely the quickest method.
  2. A more difficult way to find lower rates is to manually visit the website for every company you want to comare and go through the quote process again. For examples sake, let’s assume you want rates from Auto-Owners, State Farm and Farmers. You would need to visit each site and type in your information over and over, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

Whichever method you choose, do your best to use the same quote information on every price quote you get. If the quotes have differing limits you can’t possibly get a fair rate comparison.

Insurance discounts are available to slash your rates

Companies offering auto insurance don’t necessarily list every disount available very well, so here is a list a few of the more well known as well as the least known credits that may apply to you.

  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
  • Lower Rates for Military – Having an actively deployed family member could mean lower rates.
  • Pay Early and Save – By making one initial payment as opposed to paying monthly you may reduce your total bill.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote in comparison with frequent claim filers.

Don’t be shocked that some of the credits will not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic.

A partial list of companies that may have these benefits are:

If you are trying to find the cheapest car insurance quotes, ask each company what discounts are available to you. All car insurance discounts may not apply to policyholders in every state. If you would like to choose from a list of companies that offer many of these discounts, follow this link.

Everyone needs different insurance coverage coverages

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might point out whether or not you could use an agent’s help.

  • Why am I required to get a high-risk car insurance policy?
  • Does liability extend to a camper or trailer?
  • Does coverage extend to Mexico or Canada?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my 1995 Dodge Stratus need full coverage?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Insurance coverage considerations

Learning about specific coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 1995 Dodge Stratus.

Because many people only carry the minimum required liability limits, 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.

Collision coverage protection

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

Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills like doctor visits, X-ray expenses, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 coverage protects against claims like rock chips in glass, fire damage, hitting a bird and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This coverage can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like legal defense fees, pain and suffering, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Stretch your dollar

Cheaper insurance is possible from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not offer internet price quotes and most of the time these small, regional companies only sell through independent insurance agents.

When getting car insurance quotes online, you should never buy less coverage just to save a little money. There are too many instances where an insured cut collision coverage only to find out that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

Consumers leave their current company for any number of reasons including high prices, unfair underwriting practices, policy non-renewal or extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

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