2001 Dodge Intrepid Insurance Quotes – 7 Tricks for Best Rates

Saving money on Driversinsurance coverage is always hard for drivers who have little experience online rate comparisons. With so many insurers available, it can easily become a challenge to find the lowest price.

Consumers should take time to do price comparisons yearly because rates fluctuate regularly. If you had the lowest rate on Intrepid insurance at your last renewal you can probably find a better price now. You can search a lot of insurance coverage on the internet, but I’m going to show you some tested techniques to quit paying high insurance coverage rates.

How to lower your auto insurance cost

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon talking to agents in your area, or you can utilize the web to get pricing more quickly.

Most car insurance companies participate in a marketplace that allows shoppers to send in one quote, and at least one company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose which insurance companies to get pricing from. So if you prefer to pick individual companies to compare, we put together a list of auto insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just try to keep nearly identical quote data on every quote you get. If you compare mixed coverages it will be nearly impossible to make a fair rate comparison. Slightly different coverage limits could throw off the whole comparison. Keep in mind that quoting more increases the change that you will find the best rates. Some regional insurers cannot provide online rate quotes, so it’s recommended that you also compare price quotes from the smaller companies as well.

Will you really save $423 on car insurance?

Well-known car insurance companies like Allstate and Progressive consistently run television, radio, and online ads. All the ads seem to make the promise that you’ll save big after switching your policy. Is it even possible that every company can give you a better price?

Companies look for specific characteristics for the type of driver that will be a good risk. For instance, a preferred risk may need to be over the age of 45, has a low-risk occupation, and drives less than 5,000 miles a year. Someone who matches that profile will get the preferred premium rates and will save when they switch companies.

People who may not quite match those standards may be required to pay a more expensive rate and this results in business not being written. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save that much money. That’s the way insurance companies can make claims like that.

This really drives home the point why it is so important to compare price quotes frequently. It’s not possible to predict which car insurance company will fit you best based on your risk profile.

Get lower rates with these seven car insurance discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that could drop your premiums quite a bit. Some trigger automatically when you quote, but a few must be asked about prior to receiving the credit.

  • Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Early Signing – A few car insurance companies allow discounts for renewing your policy before your current coverage expires. You could save around 10% when you buy car insurance online.
  • Student in College – Kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Clubs and Organizations – Being in a professional or civic organization could earn you a nice discount on your policy.
  • Auto/Life Discount – Select companies reward you with a discount if you purchase a life policy as well.
  • Good Student – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, you won’t be that lucky. But all discounts should help reduce your policy cost.

Larger car insurance companies and their offered discounts are outlined below.

  • Mercury Insurance may have discounts that include good student, anti-theft, age of vehicle, low natural disaster claims, accident-free, and location of vehicle.
  • Farmers Insurance has savings for switch companies, pay in full, youthful driver, bundle discounts, alternative fuel, and multi-car.
  • Farm Bureau offers premium reductions for youthful driver, good student, renewal discount, multi-vehicle, 55 and retired, and safe driver.
  • State Farm discounts include safe vehicle, driver’s education, anti-theft, accident-free, multiple policy, and good driver.
  • Allstate has discounts for early signing, premier discount, 55 and retired, anti-theft, and senior citizen.
  • GEICO offers discounts including air bags, anti-theft, seat belt use, defensive driver, multi-vehicle, and military active duty.

It’s a good idea to ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in every state. For a list of insurers that can offer you the previously mentioned discounts, follow this link.

Insurance coverage can get complicated

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • Do I have coverage if my license is suspended?
  • Do I have coverage when using my vehicle for my home business?
  • Can I drive in Mexico and have coverage?
  • Do I need more liability coverage?
  • How much liability insurance is required?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage information

Knowing the specifics of car insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

This can cover damage or injury you incur to other’s property or people in an accident. 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 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, bail bonds, pain and suffering and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2001 Dodge Intrepid.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as pain medications, funeral costs, nursing services and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This covers damage to your Intrepid resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, colliding with a tree, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

The best insurance company isn’t always the cheapest

When getting car insurance quotes online, do not buy poor coverage just to save money. There are too many instances where someone dropped full coverage only to discover later they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

Some insurance providers don’t offer rate quotes online and many times these smaller companies sell through local independent agents. More affordable auto insurance is attainable both online and from local agencies, and you need to price shop both to have the best rate selection.

In this article, we presented a lot of tips how to reduce 2001 Dodge Intrepid insurance premium rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest premium rates come from a smaller regional carrier.

Additional information can be found at the links below