Compare 2005 Dodge Stratus Insurance Rates

Trying to find the cheapest auto insurance rates for your Dodge Stratus? Paying low cost prices for Driversauto insurance might be quite difficult for drivers who are new to online price comparisons. With such a big selection of agents and online companies, it can easily be a big hassle to find the lowest price.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Buying affordable protection is not that difficult. Nevertheless, car owners benefit from understanding the way companies market on the web and apply this information to your search.

How insurance companies determine Dodge Stratus insurance rates

A large part of saving on car insurance is knowing some of the factors that help determine car insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower premium levels.

  • Get married and pay less – Your spouse can get you a discount on car insurance. Marriage is viewed as being more stable financially and statistics show drivers who are married file infrequent claims.
  • Gender matters – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Women and men are responsible for auto accidents in similar percentages, but guys tend to have higher claims. In addition to higher claims, males also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident so it costs more to insure them.
  • Responsible credit equals lower costs – A driver’s credit score is a large factor in determining premium rates. People with excellent credit tend to be better risks to insure than drivers with lower ratings. Therefore, if your credit rating could use some work, you could potentially save money when insuring your 2005 Dodge Stratus by repairing your credit.
  • Do you really need roadside assistance? – There are a ton of extra bells and whistles that sound like a good idea at the time if you aren’t careful. Add-on coverages like replacement cost coverage, high-cost glass coverage, and motor club memberships could be just wasting money. The coverages may be enticing when discussing your needs, but if you don’t need them think about removing them and cutting costs.
  • Liability protection limits on your policy – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Big cities have higher rates – Living in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large cities tend to have much more traffic and more severe claims. Higher commute times translates into higher accident risk.
  • File a claims and pay more – If you’re an insured who likes to file claims don’t be surprised to see increased rates or even have your policy non-renewed. Car insurance companies give the lowest premiums to drivers who do not file claims often. Your insurance policy is intended to be relied upon for more catestrophic claims.
  • Save miles driven and save money – The higher the mileage driven in a year the more you will pay for car insurance. Almost all companies price each vehicle’s coverage based upon how much you drive. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Incorrect rating for your Stratus may be costing you higher rates. Make sure your car insurance policy reflects the right rating data, because improper ratings can cost you money.

More discounts mean affordable premiums

Buying insurance coverage is not cheap, but you may be missing some discounts that may help make it more affordable. A few discounts will be applied when you purchase, but some must be requested specifically before you will receive the discount.

  • Club Memberships – Joining a qualifying organization could qualify you for a break when getting a insurance coverage quote.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Stratus insurance depending on your insurance coverage provider.
  • Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Discount for Low Mileage – Low annual miles could earn cheaper premium rates.
  • Service Members Pay Less – Having a family member in the military could trigger a small discount.

Policy discounts save money, but most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies who might offer some of the discounts shown above include:

When getting free insurance coverage quotes, it’s a good idea to all the companies how you can save money. All car insurance discounts may not be offered in every state. To view providers with the best insurance coverage discounts, click here to view.

It’s not one size fits all

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • When can I cancel my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I better off with higher deductibles on my 2005 Dodge Stratus?
  • When would I need rental car insurance?
  • Why does it cost so much to insure a teen driver?
  • What are the best liability limits?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like chiropractic care, nursing services, prosthetic devices, EMT expenses and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as legal defense fees, emergency aid, structural damage, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as much as you can afford.

Online plus local equals savings

People leave their current company for many reasons like lack of trust in their agent, high prices, unfair underwriting practices and delays in responding to claim requests. No matter why you want to switch, finding a new insurance company is less work than it seems.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

You just read many ideas to save on 2005 Dodge Stratus insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest prices are with a small local company.

Additional insurance information can be read on the following sites: