How Much Does 2000 Dodge Intrepid Car Insurance Cost?

Want lower insurance rates for your Dodge Intrepid? Are you a victim of overpriced insurance? Say no more because you’re not alone. There are many car insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it can be more difficult to find the best rates.

It’s a good habit to shop coverage around before your next renewal because insurance prices tend to go up over time. If you had the best quotes for Intrepid coverage a couple years back you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the fastest and easiest way to find the best coverage while lowering your premiums.

Get lower-cost auto insurance with discounts

Car insurance is not cheap, but you can get discounts that may help make it more affordable. A few discounts will be applied when you complete an application, but a few must be specially asked for before you get the savings.

  • Savings for New Vehicles – Buying a new car model can get you a discount because newer models keep occupants safer.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
  • Lower Rates for Military – Being on active duty in the military could mean lower prices.
  • Sign Early and Save – Some auto insurance companies give discounts for signing up prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • Air Bag Discount – Factory air bags could see savings of 25 to 30%.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get cheaper auto insurancerates.
  • Homeowners Savings – Owning a house can help you save on auto insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • 55 and Retired – Drivers that qualify as senior citizens may qualify for a small decrease in premiums for Intrepid coverage.
  • No Charge for an Accident – Not really a discount, but certain companies allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
  • Telematics Data – People who choose to allow their company to spy on driving manner by installing a telematics device like Allstate’s Drivewise may see discounts as long as they are good drivers.

We need to note that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. But any discount will definitely lower your policy premiums.

To choose auto insurance companies with the best discounts, follow this link.

Free car insurance quotes

There are several ways to shop for car insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get the quickest rates.

The majority of car insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and each company provides a quote determined by their information. This eliminates the need for form submissions to each company.

To use this form to compare rates click to open in new window.

The single downside to comparing rates this way is that you can’t choose the companies you want to price. If you would rather choose specific providers to compare prices, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use exactly the same coverage limits and deductibles for every quote you compare. If you have different liability limits you will not be able to make a fair rate comparison.

Reduce insurance rates with these tips

It’s important that you understand the different types of things that play a part in calculating the rates you pay for insurance coverage. When consumers understand what determines base rates, this enables you to make decisions that may result in big savings.

The following are some of the most rate-impacting factors companies use to determine your prices.

  • With age comes lower premiums – Beginning drivers have been known to be easily distracted in a vehicle so insurance coverage rates are higher. Parents adding a inexperienced driver onto your insurance coverage can really hurt. Older, more experienced drivers have been proven to be more responsible, cost insurance companies less in claims and receive fewer citations.
  • Better credit means lower rates – An insured’s credit score can be an important factor in determining what you pay. Consumers who have excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit. Therefore, if your credit could use some work, you could be paying less to insure your 2000 Dodge Intrepid by improving your rating.
  • More policies can equal more savings – The majority of insurance coverage companies apply better rates for people who have multiple policies with them such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even though this discount sounds good, it’s in your best interest to shop around to verify if the discount is saving money.
  • Policy add-ons could be costing you – There are many extra bells and whistles that sound like a good idea at the time on your Intrepid policy. Insurance for rental car reimbursement, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when you first buy your policy, but if you have no use for them remove them and pocket the money.
  • Does insurance coverage cost less for females? – Statistics have proven that women are safer drivers than men. However, this does not mean males are worse at driving than females. Both sexes have at-fault accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get higher numbers of serious violations like reckless driving and DUI.
  • An active policy claims history can cost you – If you file a lot of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies give discounts to people who file claims infrequently. Your car insurance is designed for larger claims.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can aid in determining whether or not you could use an agent’s help.

  • I don’t drive much so do I pay less?
  • Should I buy only the required minimum liability coverage?
  • What happens if I owe more than my 2000 Dodge Intrepid is worth?
  • If my pet gets injured in an accident are they covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I find cheaper teen driver insurance?
  • Who is covered by my policy?
  • Am I covered if I hit a deer?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Is there truth in advertising?

Drivers can’t get away from all the ads that promise big savings for switching by State Farm, GEICO and Progressive. All the companies make an identical promise that you can save if you switch your policy.

Is it even possible that every company can save you money? You have to listen carefully.

Car insurance companies quote their cheapest rates for the type of driver they prefer to insure. One example of this type of driver might have to be between the ages of 30 and 45, has no claims, and drives a safe vehicle. A driver who fits those characteristics will get low rates as well as save some money.

Consumers who don’t meet those criteria must pay higher premiums which usually ends up with business not being written. Company advertisements say “drivers that switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can make claims like that.

This illustrates why you need to compare rate quotes every year. Because you cannot predict the company that will have the best premium rates for your profile.

Car insurance 101

Knowing the specifics of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, hitting a deer, fire damage and vandalism. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

This can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, court costs and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Uninsured or underinsured coverage

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 injuries to you and your family as well as damage to your Dodge Intrepid.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for things like nursing services, surgery, dental work, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This pays for damage to your Intrepid resulting from a collision 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 claims like colliding with a tree, colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Keep this in mind

Throughout this article, we presented many ways to shop for 2000 Dodge Intrepid insurance online. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding low cost insurance coverage. You may even discover the biggest savings come from a small local company. Smaller companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate or State Farm.

Budget-conscious 2000 Dodge Intrepid insurance is possible online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide rates over the internet and most of the time these smaller providers sell through independent agents.

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