Looking for better insurance rates for your Dodge Stratus? Having to pay for expensive Dodge Stratus insurance can dry up your monthly budget and make it tough to pay other bills. Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with ads and consumers find it hard to separate fact from fiction and find the best price available.
Car insurance companies don’t always publicize the entire discount list in a way that’s easy to find, so the below list has some of the more common and the harder-to-find credits that you can use to lower your rates.
It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
Companies and the discounts they provide can be read below.
It’s a good idea to ask all the companies how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders everywhere. To view insurance coverage companies who offer discounts, click this link.
When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out if you may require specific advice.
If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.
Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.
Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as court costs, medical services, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as much as you can afford.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, surgery, chiropractic care, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like hitting a deer, hitting a bird, damage from a tornado or hurricane, hail damage and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM Coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Stratus.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.
Collision coverages – Collision coverage will pay to fix damage to your Stratus caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like crashing into a ditch, colliding with a tree, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.
You just read some good ideas how you can reduce 2006 Dodge Stratus insurance rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even find the best rates are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower auto insurance rates compared to the large companies like Progressive and GEICO.
A few companies may not have internet price quotes and these regional insurance providers only sell through independent insurance agents. Cost effective 2006 Dodge Stratus insurance can be found online and with local insurance agents, so you should be comparing quotes from both to have the best selection.
Much more information about car insurance can be read at the links below