How Much Does 2004 Dodge Intrepid Car Insurance Cost?

Searching for lower insurance coverage rates for your Dodge Intrepid? Did a good deal turn out to be an overpriced insurance coverage policy? It’s quite common and many drivers feel the same as you.

Because you have many options when it comes to insurance coverage, it is hard for the average consumer to locate the best insurance company.

Consumers need to take a look at other company’s rates occasionally because prices tend to go up over time. Just because you found the lowest rates on Intrepid insurance two years ago there may be better deals available now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to find better coverage at a better price.

First Step: Get free insurance quotes

Most larger insurance companies give prices for coverage directly from their websites. Getting online rates doesn’t take a lot of time as you just type in the coverages you want as requested by the quote form. Upon sending the form, the system will obtain your driving record and credit report and returns pricing information determined by many factors. Online quotes makes comparing rates easy, but the process of having to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you are searching for better prices.

Quote rates the easy way

The smarter way to compare insurance pricing is to use a quote form to return rates from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes online quotes a lot less work. As soon as you send your information, your coverage is rated and you can choose any of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

In order to compare rates now, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you type in the insurance coverages as shown on your current policy. This ensures you will have rate comparison quotes based on similar coverages.

Do you qualify for discount auto insurance?

Companies offering auto insurance don’t list every possible discount very well, so we took the time to find both well-publicized as well as the least known credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you are just wasting money.

  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy life insurance.
  • Early Renewal Discounts – A few companies allow discounts for switching policies before your current expiration date. This can save 10% or more.
  • Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate, Progressive, and GEICO will forgive one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% on Intrepid insurance than drivers with accidents.
  • Low Miles Discount – Driving less could qualify for lower premium rates on the low mileage vehicles.
  • Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class in high school.
  • Multi-Vehicle Discounts – Drivers who insure more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Defensive Driving Course – Participating in a safe driver course could possibly earn you a 5% discount if your company offers it.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks off the medical payments premium.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. But all discounts will bring down your policy premiums.

Some of the insurance companies that have most of these discounts include:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area. To find companies who offer online auto insurance quotes, click here.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Can I make deliveries for my home business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need rental car coverage?
  • What happens if I owe more than my 2004 Dodge Intrepid is worth?
  • What is medical payments coverage?
  • Should I have combined single limit or split liability limits?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Specifics of your insurance policy

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, vandalism, damage from a tornado or hurricane, hail damage and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2004 Dodge Intrepid.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for prosthetic devices, ambulance fees and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, legal defense fees, funeral expenses, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision – Collision coverage pays for damage to your Intrepid resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.