1996 Dodge Intrepid Car Insurance Rates – 10 Ideas for Cheapest Quotes

Searching for cheaper insurance coverage rates for your Dodge Intrepid? Nobody I know looks forward to paying for insurance coverage, especially when the cost is too high. Popular companies such as Progressive, State Farm and Geico all claim big savings with TV and radio ads and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a good habit to do rate comparisons periodically because prices are adjusted regularly by insurance companies. Even if you think you had the lowest price on Intrepid insurance six months ago a different company probably has better rates today. Block out anything you think you know about insurance coverage because you’re about to find out one of the easiest ways to lower your rates without sacrificing coverage.

How to reduce 1996 Dodge Intrepid insurance rates

Companies offering auto insurance don’t list every discount in a way that’s easy to find, so we researched some of the best known and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on Intrepid insurance.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Low Mileage – Keeping the miles down on your Dodge can earn better rates on cars that stay parked.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Intrepid insurance than drivers with accident claims.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Life Insurance – Some companies give a break if you buy life insurance.
  • No Claims – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Accident Forgiveness – Certain companies permit an accident before raising your premiums if your claims history is clear for a set time period.
  • Good Student – This discount can save 20 to 25%. This discount can apply up until you turn 25.

It’s important to understand that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, it just doesn’t work that way.

To see a list of companies with the best auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • What exactly is covered by my policy?
  • What can I do if my company denied a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • Who is covered when they drive my 1996 Dodge Intrepid?
  • Does liability extend to a camper or trailer?
  • How much liability insurance is required?
  • Will filing a claim cost me more?
  • Can my babysitter drive my car?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance specifics

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your Intrepid caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1996 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 important protection for you and your family.

Liability coverages

This coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for doctor visits, funeral costs and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, a broken windshield and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

One last thing about your coverage

We just showed you many tips how you can shop for 1996 Dodge Intrepid insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a small local company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

Cheap insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional information