Compare 1999 Dodge Intrepid Insurance Rates

Searching for lower auto insurance rates for your Dodge Intrepid? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are many people just like you.

Drivers have multiple auto insurance companies to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to adequately compare rates.

It’s a great practice to compare prices occasionally because prices change quite often. Despite the fact that you may have had the lowest price on Intrepid coverage a year ago you can probably find a better price now. Ignore everything you know about auto insurance because we’re going to demonstrate the best methods to find better coverage at a better price.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. But consumers do need to understand the way insurance companies price insurance differently.

The easiest way to get rate comparisons is to know most of the larger companies pay for the opportunity to give free rates quotes. The one thing you need to do is give them rating details including how much coverage you want, distance driven, what you do for a living, and if you have a valid license. Your insurance information is instantly provided to multiple companies and you receive quotes instantly to find the best rate.

Cut prices on Dodge Intrepid insurance

Auto insurance companies do not advertise every available discount very well, so here is a list both well-publicized and the harder-to-find savings tricks you should be using.

  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • No Claims – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Intrepid coverage with select insurance companies.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

Car insurance companies that may offer these benefits may include but are not limited to:

Double check with all companies you are considering how you can save money. Savings may not apply in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • What are the best liability limits?
  • Am I covered if I wreck a rental car?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to 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.

Elements that influence Dodge Intrepid insurance rates

It’s important that you understand some of the elements that help determine your insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to lower insurance prices.

The following are a partial list of the pieces insurance companies consider when setting prices.

  • Your insurance rates can be influenced by your job – Occupations such as doctors, architects and accountants have higher rates than average because of high stress and long work days. On the flip side, occupations like farmers, athletes and the unemployed get better rates on Intrepid coverage.
  • You might want pay the small claims yourself – Insurance companies give discounts to policyholders who do not file claims often. If you file claims often, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Marriage brings a discount – Having a wife or husband helps lower the price on your insurance policy. Having a spouse is viewed as being more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Big city or small town – Choosing to live in a small town is a positive aspect when talking about insurance. Urban drivers have to deal with more traffic problems and a longer drive to work. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection if you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.

Insurance ads bend the truth

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads make the same claim of big savings if you switch to them. How does each company make almost identical claims?

All the different companies are able to cherry pick for the type of customer they prefer to insure. For example, a desirable insured might be between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get the preferred rates and most likely will pay quite a bit less when switching companies.

Drivers who fall outside the requirements will be quoted a higher premium which usually ends up with business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the savings. This emphasizes why you need to compare many company’s rates. It’s impossible to know which insurance companies will give you the biggest savings on Dodge Intrepid insurance.

Parts of your insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Intrepid.

Since a lot of drivers 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.

Coverage for medical payments

Med pay and PIP coverage pay for bills for chiropractic care, funeral costs, dental work, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability insurance

This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, funeral expenses, medical expenses and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a deer and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Intrepid resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, crashing into a building, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Knowledge is power

Throughout this article, we presented many tips how you can get a better price on 1999 Dodge Intrepid insurance. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest premiums are with a small local company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.

Budget-conscious insurance can be bought on the web as well as from independent agents, so compare prices from both to have the best selection. There are still a few companies who don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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