Having to pay for overpriced insurance can drain your checking account and put a big crunch on your finances. Comparing price quotes is a great way to make sure you’re not throwing money away. Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a insurer to get the best rates possible.
Car insurance is not cheap, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but a few must be asked for before you get the savings. If you’re not getting every credit possible, you’re paying more than you need to.
It’s important to understand that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut your overall premium however.
A partial list of companies that may offer these discounts include:
It’s a good idea to ask each insurance company which discounts they offer. Discounts may not apply in your state.
When choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that could help you determine if you might need an agent’s assistance.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.
Comprehensive insurance coverage covers 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 claims like damage from a tornado or hurricane, damage from getting keyed, fire damage and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Dodge Intrepid.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Med pay and PIP coverage kick in for immediate expenses like ambulance fees, dental work, surgery, funeral costs and nursing services. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
Liability insurance protects you from damage or injury you incur to people or other property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like medical services, structural damage, repair bills for other people’s vehicles, loss of income and bail bonds. How much liability coverage do you need? That is your choice, but buy as much as you can afford.
Collision coverage pays for damage to your Intrepid caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like crashing into a ditch, backing into a parked car, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.
When you buy insurance online, you should never buy less coverage just to save a little money. Too many times, an insured dropped uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
In this article, we presented some good ideas how to compare 1997 Dodge Intrepid insurance prices online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with a small mutual company. They can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.