View 2001 Dodge Stratus Insurance Rates

Trying to find cheaper insurance rates for your Dodge Stratus? Vehicle owners who are new to price shopping auto insurance online will find buying cheap car insurance is harder than they anticipated.

Consumers need to compare prices once or twice a year since insurance prices go up and down regularly. Even if you got the lowest price for Stratus coverage at your last renewal you can probably find a lower rate today. There are lots of tips to save on insurance on the internet, but I’m going to show you some of the best ways to save money.

The quickest way to compare car insurance company rates is to realize all the major auto insurance companies provide online access to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information like how you use your vehicles, whether your vehicle is owned or leased, driver details, and daily mileage. That rating information gets transmitted to multiple companies and you should receive rate quotes with very little delay.

If you wish to get multiple quotes for your 2001 Dodge Stratus now, click here and enter the information requested.

Don’t overlook these car insurance discounts

The price of auto insurance can be rather high, but you may find discounts that many consumers don’t even know exist. A few discounts will automatically apply when you complete an application, but occassionally some discounts must be specifically requested prior to receiving the credit.

Own a Home and Save – Simply owning a home can help you save on car insurance since owning and maintaining a home shows financial diligence.
Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
Good Student Discount – Being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
Payment Discounts – By making one initial payment rather than paying monthly you can actually save on your bill.
Student in College – Older children who attend college more than 100 miles from home and do not have a car may be insured at a cheaper rate.
No Claim Discounts – Claim-free drivers get the best car insurance rates when compared to drivers who are more careless.
Paperwork-free – A handful of larger companies provide a small discount simply for signing digitally online.
Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% for Stratus coverage with certain companies.
Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

As a footnote on discounts, most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

A list of car insurance companies and their possible discounts can be read below.

GEICO has discounts for multi-vehicle, driver training, membership and employees, seat belt use, and emergency military deployment.
Travelers may have discounts that include continuous insurance, good student, multi-car, early quote, and multi-policy.
Nationwide discounts include family plan, defensive driving, business or organization, accident-free, multi-policy, and Farm Bureau membership.
Farmers Insurance offers discounts including early shopping, multi-car, mature driver, youthful driver, and bundle discounts.
Esurance includes discounts for Switch & Save, emergency road assistance, good driver, online quote, and homeowner.
State Farm may include discounts for accident-free, student away at school, passive restraint, multiple policy, good driver, defensive driving training, and Drive Safe & Save.
Progressive may offer discounts for continuous coverage, online quote discount, good student, multi-vehicle, and multi-policy.
Mercury Insurance has savings for multi-car, location of vehicle, professional/association, type of vehicle, age of vehicle, ease of repair, and anti-theft.

Double check with each company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to view providers with the best discounts, click this link.

When to get professional advice

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions can aid in determining if you could use an agent’s help.

Will my vehicle be repaired with OEM or aftermarket parts?
Do I have coverage when using my vehicle for my home business?
How do I buy GAP insurance?
Are all vehicle passengers covered by medical payments coverage?
Does coverage extend to my business vehicle?
Do I need medical payments coverage since I have good health insurance?
Do I pay less for low miles?
Can my babysitter drive my car?
When should I not file a claim?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Coverage specifics

Knowing the specifics of car insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Stratus.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as chiropractic care, EMT expenses, nursing services and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This coverage can cover injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as bail bonds, funeral expenses, court costs and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your Stratus resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.