Cheaper 1997 Dodge Stratus Insurance Quotes

Want lower insurance coverage rates? Drivers have many options when trying to find the lowest priced Dodge Stratus insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to compare rates.

There are both good and bad ways to compare insurance coverage rates and you need to know the best way to compare rates on a Dodge and obtain the lowest price either online or from local insurance agents.

This information will teach you the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you should be able to lower your premiums substantially using this information. Drivers only need an understanding of the most efficient way to find the lowest price online.

Cheaper insurance coverage quotes with discounts

Companies offering auto insurance do not list their entire list of discounts very clearly, so the following is a list of some of the more common and also the more inconspicuous ways to save on insurance coverage. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Discount for Multiple Policies – If you have multiple policies with the same company you could save nearly 15% which can help you find the cheapest car insurance.
  • First Accident Forgiveness – Not necessarily a discount, but companies like State Farm, Progressive and GEICO allow you one accident before raising your premiums if you have no claims before the accident.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks since home ownership is proof of financial responsibility.
  • Driver’s Education for Students – Have your child sucessfully take a drivers education course in school.
  • Paper-free Discount – Some insurance companies provide a small discount for buying your policy on your computer.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.

Please keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Popular insurance coverage companies and some of their more popular discounts include:

  • State Farm offers discounts for passive restraint, safe vehicle, student away at school, Drive Safe & Save, accident-free, and good student.
  • Progressive has savings for good student, online signing, homeowner, online quote discount, and multi-policy.
  • Progressive includes discounts for online signing, multi-vehicle, good student, continuous coverage, and homeowner.
  • MetLife offers premium reductions for good driver, defensive driver, multi-policy, good student, accident-free, claim-free
  • Farm Bureau may offer discounts for safe driver, multi-policy, good student, multi-vehicle, youthful driver, and driver training.
  • GEICO may include discounts for air bags, anti-lock brakes, membership and employees, multi-policy, and anti-theft.
  • SAFECO offers discounts including homeowner, accident prevention training, multi-car, teen safety rewards, and anti-theft.

If you want cheap car insurance quotes, ask each insurance company which discounts can lower your rates. Some discounts listed above may not apply in every state. To see a list of insurance coverage companies that offer many of these discounts, click here.

Shop car insurance online

There are several ways you can shop for car insurance but there is one way that is less time-consuming than others. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most major companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company can provide price quotes determined by their information. This prevents consumers from doing form submissions for each company.

To compare rates now click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose the companies you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but do your best to enter the same coverage limits on every quote you get. If the quotes have unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • What is UM/UIM insurance?
  • Exactly who is provided coverage by my policy?
  • What happens if I owe more than my 1997 Dodge Stratus is worth?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Understanding the coverages of car insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for liability

This can cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, bail bonds and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, X-ray expenses, pain medications, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed, damage from flooding and vandalism. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, rolling your car, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Online plus local equals savings

Budget-friendly car insurance is attainable online as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get quotes online and usually these smaller companies sell through local independent agencies.

We just covered many ideas to reduce 1997 Dodge Stratus insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best rates are with some of the smallest insurance companies.

Drivers who switch companies do it for any number of reasons including delays in paying claims, lack of trust in their agent, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

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