How Much Does 2003 Dodge Intrepid Insurance Cost?

Trying to find cheaper car insurance rates for your Dodge Intrepid? I can’t think of a single person who fancies paying their premiums for car insurance, particularly when the cost is too high. Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every company to get the lowest rate possible.

It’s important to quote other rates yearly since prices trend upward over time. Despite the fact that you may have had the best rates on Intrepid coverage on your last policy you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. Buying car insurance is not rocket science. Vehicle owners just need to understand the proper way to shop for car insurance online.

How to shop insurance coverage online

Finding more affordable 2003 Dodge Intrepid insurance coverage rates is actually easier than you may think. Just invest a few minutes comparing rates to find the company with cheap insurance coverage quotes. Shoppers can get rates in a couple of different ways.

Hands down the most simple method to get quotes is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing separate quote forms for each company. Just one form compares rates from several companies.
A slightly less efficient method to analyze rates requires visiting the website of each company and request a quote. For sake of this example, let’s assume you need rates from Allstate, Farmers and American Family. You would be required to spend time on each company’s site and punch in your information repeatedly, which is why the first method is quicker.
To view a list of companies in your area, click here.
The most difficult method to comparison shop rate quotes is to spend your day driving to insurance agencies in your area. The ability to get quotes online can eliminate the need for a local agent unless you have a need for the professional assistance of a local agent. However, consumers can price shop your coverage online and have a local agent actually service the policy.

Which method you use is up to you, but make sure you are using identical quote data on every quote you get. If your comparisons have different values for each quote it’s not possible to truly determine the lowest rate.

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Cheaper auto insurance rates with discounts

Auto insurance can be pricey, but you may find discounts that could drop your premiums quite a bit. Many discounts should be triggered when you quote, but occassionally some discounts must be requested specifically prior to receiving the credit.

Discounts for Cautious Drivers – Drivers without accidents can save up to 40% or more on their insurance coverage quote on Intrepid coverage than their less cautious counterparts.
Theft Deterent – Cars that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
Policy Bundle Discount – If you can bundle your home and auto insurance with one company you could save 10% to 20% off each policy.
Payment Discounts – By making one initial payment instead of making monthly payments you could save up to 5%.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, nobody gets a free ride.

A partial list of companies that possibly offer some of the above discounts include:

If you are trying to find inexpensive insurance coverage quotes, ask all companies you are considering how many discounts you can get. A few discounts may not be available everywhere. For a list of providers who offer free auto insurance quotes, click here to view.

Lower your insurance prices

Multiple criteria are part of the equation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but other factors are not as apparent like your vehicle usage or how financially stable you are.It’s important that you understand the rating factors that play a part in calculating your policy premiums. If you understand what influences your rates, this enables informed choices that may reward you with lower insurance coverage prices.

High physical damage deductibles lower premiums – Comp and collision deductibles state the amount of money the insured will be required to pay if the claim is covered. Physical damage insurance, also called ‘full coverage’, insures against damage to your car. Examples of covered claims would be a windshield broken by a bird, hail damage, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Intrepid coverage.
Your job may affect rates – Did you know your insurance coverage rates can be affected by your occupation? Careers such as military generals, social workers and emergency personnel tend to have higher premiums than the average policyholder attributed to intense work requirements and lengthy work days. On the other hand, jobs such as professors, students and performers pay lower than average rates on Intrepid coverage.
Vehicle features that lower insurance coverage rates – Choosing a vehicle with advanced anti-theft systems can get you a discount on your insurance coverage. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
Insurance companies don’t like frequent insurance coverage claims – If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies generally give most affordable rates to policyholders that do not abuse their auto insurance. Your insurance policy is intended for claims that you cannot pay yourself.
lapses raise premiums – Driving your car without having proper coverage can get your license suspended and companies may charge more for letting your insurance expire. And not only will insurance be more expensive, the inability to provide proof of insurance will get you a revoked license or a big fine. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
Infrequent drivers can save – The higher the mileage driven in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks that sit idle most of the time receive better premium rates than those that get driven frequently. An improperly rated Intrepid may be costing you. Ask your agent if your insurance coverage policy states annual mileage, because it can save money.
Liability – Liability coverage will afford coverage if ever you are responsible for physical damage or personal injury to other. Your liability coverage provides legal defense which can cost a lot. It is affordable coverage when compared with rates for comp and collision, so do not cut corners here.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there is no one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions might help in determining whether you may require specific advice.

If my 2003 Dodge Intrepid is totaled, can I afford another vehicle?
Should I sign the liability waiver when renting a car?
If I drive on a suspended license am I covered?
Is other people’s property covered if stolen from my vehicle?
I have a DUI can I still get coverage?
Can I make deliveries for my home business?
Does my car insurance cover rental cars?
Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Can switching companies really save?

Drivers can’t get away from all the ads that claim the cheapest car insurance rates by companies like State Farm, Allstate and GEICO. They all seem to make the promise about saving some big amount just by moving your coverage to them.

How do they all claim to save you money? It’s all in the words they use.

Different companies offer their best rates for the type of driver that is profitable for them. For example, a profitable insured might have to be a married female, has a low-risk occupation, and drives a safe vehicle. Someone who matches that profile gets the lowest rates and is almost guaranteed to save money with a new company.

Consumers who don’t measure up to these standards may receive more expensive rates and ends up with the customer buying from a different company. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” can save as much as they claim. That’s why companies can truthfully state the savings. Because of the profiling, you need to get price quotes at each policy renewal. It’s just too difficult to predict the company that will give you the biggest savings.

Auto insurance policy coverages for a 2003 Dodge Intrepid

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like hospital visits, prosthetic devices, rehabilitation expenses, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like medical services, medical expenses and pain and suffering. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage

This pays for damage to your Intrepid caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, colliding with another moving vehicle, colliding with a tree, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 2003 Dodge Intrepid.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Be a money saver!

We just presented a lot of information how to shop for 2003 Dodge Intrepid insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the most savings is with a small local company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.

There are still a few companies who do not offer the ability to get quotes online and these small insurance companies only sell coverage through independent agents. Affordable 2003 Dodge Intrepid insurance can be purchased online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone dropped comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

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