1996 Dodge Intrepid Car Insurance Rates – 7 Ways to Save

Searching for cheaper insurance rates for your Dodge Intrepid? I can’t think of a single person who looks forward to paying premiums for insurance, in particular when they could find better prices if they shop around. Big companies like Allstate, Progressive and GEICO promote their brand names with ad campaigns and it can be hard to see through the deception and do the work needed to find the best deal.

How to shop car insurance online

There are several ways to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies take part in a program that allows shoppers to complete one form, and every company provides a quote for coverage. This prevents consumers from doing quote forms for each company. To get comparison pricing now click to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose the insurers you want pricing from. So if you prefer to pick from a list of companies to compare, we have assembled a list of car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just do your best to enter nearly identical coverages and limits with each company. If you enter differing limits you can’t possibly determine the lowest rate for your Dodge Intrepid.

Cheaper car insurance quotes with discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts that may help make it more affordable. Many discounts should be triggered at quote time, but a few need to be asked for in order for you to get them.

  • Cautious Drivers – Drivers without accidents can pay as much as 50% less for Intrepid coverage compared to rates paid by drivers with frequent claims.
  • Distant Student Discount – College-age children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • Theft Prevention System – Cars and trucks with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Student Driver Training – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off the medical payments premium.
  • Mature Driver Discount – Drivers over the age of 55 may qualify for a small decrease in premiums for Intrepid coverage.
  • Defensive Driving Course – Successfully completing a driver safety class could cut 5% off your bill if your company offers it.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

Companies who may offer these money-saving discounts include:

When getting a coverage quote, ask all the companies which discounts you qualify for. Some discounts listed above might not apply in your state. If you would like to choose from a list of car insurance companies that offer many of these discounts, click here to view.

Tailor your car insurance coverage to you

When buying coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • Will my insurance pay for OEM parts?
  • Does my personal policy cover me when driving out-of-state?
  • How much liability coverage do I need in my state?
  • Should I have combined single limit or split liability limits?
  • When should I not file a claim?
  • Where can I find DUI or SR-22 insurance?
  • Should I waive the damage coverage when renting a car?
  • What is roadside assistance coverage?
  • What happens if I owe more than my 1996 Dodge Intrepid is worth?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average car insurance policy.

Liability coverage – Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and 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. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance 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 insurance covers things such as theft, hitting a deer, fire damage, hail damage and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, dental work, doctor visits, chiropractic care and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage – This covers damage to your Intrepid from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Intrepid.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.