1998 Dodge Intrepid Insurance Quotes

Searching for the cheapest insurance coverage rates for your Dodge Intrepid? Paying low cost rates for Driversinsurance coverage might be challenging for drivers who have little experience online price comparisons. You have so many different companies and agents to choose from that it can easily be a burden to find the best price.

Quote Dodge Intrepid insurance more affordably

Smart consumers have a good feel for some of the factors that help determine auto insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that could help you find cheaper rates. Multiple criteria are considered when quoting car insurance. Some are obvious like a motor vehicle report, but other factors are more transparent such as whether you are married and annual miles driven.

  • Low mileage costs less – The more you drive in a year the higher the price you pay to insure it. Most companies price each vehicle’s coverage based upon how much you drive. Cars that have low annual miles get more affordable rates than those used for commuting. It’s a smart idea to ensure your auto insurance policy states the right rating data, because it can save money. Having an incorrect usage rating on your Intrepid may be costing you higher rates.
  • Cheaper auto insurance rates using alarms and GPS tracking – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.
  • Battle of the sexes – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that women are better drivers. Females and males get in accidents in similar numbers, but guys have accidents that have higher claims. They also get ticketed for serious violations like driving under the influence (DUI).
  • How credit rating affects auto insurance costs – Your credit history factor in your rate calculation. People with excellent credit scores tend to be better drivers and file fewer claims than those with poor credit. If your credit history leaves room for improvement, you could pay less to insure your 1998 Dodge Intrepid if you clean up your credit.

Discounts to earn affordable car insurance rates

Some companies do not list every discount they offer very clearly, so the list below gives a summary of some of the more common as well as some of the hidden car insurance savings.

  • Theft Prevention Discount – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Telematics Devices – Drivers who elect to allow their company to look at where and when they drive by using a telematics device like Allstate’s Drivewise might get better premium rates if their driving habits are good.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower car insurancerates on the low mileage vehicles.
  • College Student Discount – Any of your kids who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
  • One Accident Forgiven – but certain companies will let one accident slide before your rates go up if you are claim-free for a specific time period.
  • Accident Free – Good drivers with no accidents pay much less in comparison with accident-prone drivers.
  • Senior Discount – Seniors may be able to get lower premium rates on Intrepid insurance.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren’t that generous.

The best car insurance companies and their possible discounts are outlined below.

  • GEICO includes discounts for anti-lock brakes, anti-theft, federal employee, good student, seat belt use, military active duty, and five-year accident-free.
  • MetLife has savings for defensive driver, good student, multi-policy, claim-free, good driver, accident-free
  • Progressive has discounts for good student, online signing, continuous coverage, online quote discount, multi-vehicle, homeowner, and multi-policy.
  • Travelers offers discounts for new car, driver training, multi-car, good student, and hybrid/electric vehicle.
  • SAFECO may include discounts for anti-theft, teen safety rewards, multi-car, teen safe driver, drive less, safe driver, and bundle discounts.
  • AAA offers premium reductions for AAA membership discount, pay-in-full, anti-theft, education and occupation, and multi-car.

If you are trying to find the cheapest auto insurance quotes, ask each insurance company to apply every possible discount. Savings might not be offered on policies in your area.

Insurance coverage savings promises

Insurance coverage providers like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all seem to convey the message of big savings after switching your insurance coverage coverage to their company. How is it plausible that every one can offer you a better deal? This is the way they can do it.

Insurance companies have specific criteria for the type of driver that will generate a profit. An example of a preferred risk might be a married female, has no driving citations, and drives a car with an anti-theft system. A customer that meets those criteria will get low premium rates and therefore will save when they switch companies.

Drivers who fall outside these stringent criteria will probably have to pay a higher premium which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save that much. This is how companies can truthfully make claims that they all have the best prices. Each company has different criteria, so drivers should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance coverage company will provide you with the cheapest premium rates.

Tailor your auto insurance coverage to you

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

For example, these questions might point out whether you might need an agent’s assistance.

  • What if I don’t agree with a claim settlement offer?
  • What companies insure drivers after a DUI or DWI?
  • If my pet gets injured in an accident are they covered?
  • What if I owe more than I can insure my car for?
  • Am I covered if I crash into my own garage door?
  • Do I really need UM/UIM coverage?
  • Is my teenager covered with friends in the car?
  • Should I rate my 1998 Dodge Intrepid as pleasure use or commute?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as rehabilitation expenses, X-ray expenses, chiropractic care, nursing services and surgery. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, a broken windshield and hail damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1998 Dodge Intrepid.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision coverage will pay to fix damage to your Intrepid from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy 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 $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, structural damage and funeral expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Quote more. Save more.

Cheaper 1998 Dodge Intrepid insurance is definitely available on the web and from local insurance agents, and you should be comparing both to have the best selection. Some insurance companies may not have online price quotes and many times these regional insurance providers provide coverage only through independent agents.

Consumers who switch companies do it for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, extreme rates for teen drivers or lack of trust in their agent. It doesn’t matter why you want to switch finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

In this article, we presented a lot of tips how to save on 1998 Dodge Intrepid insurance. The key concept to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the most savings is with a small local company.

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