Searching for cheaper car insurance rates for your Dodge Stratus? I can’t think of a single person who looks forward to buying car insurance, especially knowing the price is too high.
Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every provider to get the best rate
Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some must be specifically requested before being credited.
As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, you won’t be that lucky. But any discount will help reduce the amount you have to pay.
To see a list of insurance companies who offer car insurance discounts, click this link.
Shopping for lower car insurance rates can take time and effort if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) driving to agents in your area, or you can utilize the internet to accomplish the same thing much quicker.
Most of the best insurance companies enroll in a system that allows shoppers to submit one quote, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating repetitive form submissions for every car insurance company. To compare 1996 Dodge Stratus rates using this form now click to open in new window.
The single downside to doing it this way is buyers cannot specifically choose the insurers you want pricing from. If you would rather choose specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click to view list.
Whichever method you choose, be sure to compare apples-to-apples coverages and limits on every quote you get. If each company quotes different liability limits it’s not possible to make an equal comparison. Just a small difference in coverage limits can make a big difference in price. And when comparing car insurance rates, know that quoting more will increase your chances of finding a better price.
An important part of buying insurance is that you know the different types of things that help determine your auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.
When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Insurance companies such as State Farm, Geico and Progressive regularly use ads in print and on television. They all seem to have a common claim that you can save if you move your policy. How does each company claim to save you money?
Different companies are able to cherry pick for the driver that is profitable for them. An example of a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and has great credit. Any driver who matches those parameters gets the lowest rates and therefore will save quite a bit of money when switching.
Drivers who are not a match for these standards must pay higher prices and ends up with business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the way they do.
This illustrates why it’s extremely important to get as many quotes as possible. It is impossible to predict which insurance company will fit your personal profile best.
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.
Liability coverage can cover damage that occurs 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. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against things like funeral expenses, court costs, medical services and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Collision coverage pays for damage to your Stratus from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Med pay and PIP coverage reimburse you for short-term medical expenses like hospital visits, funeral costs, ambulance fees, dental work and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as a broken windshield, hail damage, damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Stratus.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
In this article, we covered a lot of information how to get a better price on 1996 Dodge Stratus insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a lesser-known regional company. These companies can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.
Cheaper insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.
While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. In many cases, someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
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