Cheap 1997 Dodge Stratus Car Insurance Rates

Searching for better car insurance rates for your Dodge Stratus? Overpriced Dodge Stratus insurance can empty your checking account and force you to make sacrifices. Comparing price quotes is a great way to slash your bill and have more diposable income.

Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a provider to find the absolute cheapest price

Comprehensive Car Insurance Comparison

Most major insurance companies such as State Farm, Allstate and Geico provide prices on their websites. Getting quotes is fairly simple as you just enter your personal and coverage information into a form. When the form is submitted, the system pulls information on your driving record and credit history and gives you a price quote based on these factors. Quoting online makes comparing rates easy, but the process of having to visit different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to get the lowest price.

The easiest way to find cheaper rates makes use of a single form to get prices from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes quoting online a little more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any one of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

To find out how much you can save on car insurance, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in the insurance coverages identical to your current policy. Using the same limits helps guarantee you will be getting a fair comparison for similar insurance coverage.

Pay less for 1997 Dodge Stratus insurance

Companies offering auto insurance don’t always publicize all their discounts in a way that’s easy to find, so we break down some of the more common and also the lesser-known insurance savings.

  • Homeowners Savings – Simply owning a home can help you save on insurance due to the fact that maintaining a home shows financial diligence.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Stratus insurance than drivers with accidents.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurance companies offering insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Does coverage extend to Mexico or Canada?
  • Where can I find high-risk insurance?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy additional glass protection?
  • How do I buy GAP insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • If my pet gets injured in an accident are they covered?
  • When does my teenage driver need to be added to my policy?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Dodge Stratus rates are complex

Smart consumers have a good feel for the different types of things that help determine your car insurance rates. Understanding what determines base rates enables informed choices that can help you get lower car insurance prices.

The following are a few of the “ingredients” car insurance companies consider when setting your rates.

  • High credit ratings translate to low rates – Having a bad credit score is a big factor in determining what you pay for car insurance. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores. So if your credit history is low, you could potentially save money when insuring your 1997 Dodge Stratus by spending a little time repairing your credit.
  • Liability coverage is cheap – Liability insurance is the protection if ever a jury decides you are liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • No coverage gaps is important – Not having insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Lower rates come with age – Youthful drivers are statistically proven to be more careless when driving so car insurance rates are higher. Parents adding a young driver to your car insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • Your location affects your rates – Residing in a small town can be a good thing when insuring your vehicles. Drivers who live in large cities have much more traffic and longer commute times. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
  • Discounts for multiple policies – Most insurance companies will give a discount to customers who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare rates to ensure the best deal.
  • Special features that cut premiums – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • A clean driving record saves money – Careful drivers have lower premiums than bad drivers. Even a single ticket can boost insurance rates twenty percent or more. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.

Specifics of your insurance policy

Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Liability

This coverage can cover damage or injury you incur to other people or property. It protects you from legal claims by others. Liability doesn’t 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 might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, bail bonds, loss of income, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for dental work, funeral costs, ambulance fees and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Stratus.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This coverage will pay to fix damage to your Stratus resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, scraping a guard rail, driving through your garage door, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage, vandalism and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Stretch your dollar

You just read some good ideas how you can compare 1997 Dodge Stratus insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the best prices are with some of the lesser-known companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.

Budget-conscious insurance can be bought from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. There have been many cases where an insured dropped liability coverage limits only to regret at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

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