View 2004 Dodge Stratus Insurance Quotes

Want lower insurance coverage rates for your Dodge Stratus? Are you regretting buying an expensive insurance coverage policy? Don’t sweat it because many drivers have buyer’s remorse. Due to the increasing number of companies to choose from, it’s nearly impossible to pick the cheapest insurance company.

The purpose of this post is to familiarize you with the best way to quote coverages. If you have car insurance now, you should be able to cut costs considerably using this information. Drivers only need to know how to find the lowest price online.

First Step: Get free insurance coverage quotes

Reducing your 2004 Dodge Stratus insurance rates is not rocket science. You just need to spend a few minutes on the computer getting comparison quotes online from several insurance companies. This is very easy and can be done using one of these methods.

1. The most efficient method consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form prevents you from having to do multiple quote forms for each company you want a rate for. Taking the time to complete one form gets you coverage quotes instantly.
2. A different way to find lower rates is to take the time to go to the website of each company and fill out a new quote form. For sake of this example, we’ll assume you want to get rates from Liberty Mutual, GEICO and Allstate. To do that, you would have to navigate to each company’s site and punch in your information repeatedly, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to use identical quote data for each comparison quote. If you enter differing limits then you won’t be able to determine which rate is truly the best.

Car insurance policy discounts

Car insurance companies don’t necessarily list their entire list of discounts very clearly, so we break down both the well known in addition to some of the lesser obvious credits available to you.

• Military Deployment Discount – Having a family member in the military could mean lower rates.
• Good Student – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Driver Education Discount – Require your teen driver to participate in a local driver’s education class as it can save substantially.
• Low Mileage – Low annual miles can qualify you for discounted car insurancerates on garaged vehicles.
• Auto/Life Discount – Insurance companies who offer life insurance give a discount if you purchase life insurance from them.
• Multiple Cars – Drivers who insure primary and secondary vehicles with one company qualifies for this discount.
• Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could trigger savings on car insurance.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to choose from a list of providers that have a full spectrum of discounts, click here to view.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

• Is my nanny covered when driving my vehicle?
• Will my insurance pay for OEM parts?
• Does coverage extend to a rental car in a foreign country?
• Does car insurance cover theft of personal property?
• At what point should I drop full coverage?
• What should my uninsured motorist coverage limits be in my state?
• What is medical payments coverage?
• Does medical payments coverage apply to all occupants?
• Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Coverage specifics

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, dental work, X-ray expenses, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance will cover damage that occurs 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 limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like emergency aid, repair costs for stationary objects, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Collision insurance

This covers damage to your Stratus resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, theft and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Stratus.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.