View 1999 Dodge Stratus Insurance Cost

Want the cheapest car insurance rates for your Dodge Stratus? Have you had enough of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as many other drivers. Popular companies such as State Farm, Progressive and Geico promote their brand names with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It’s a good habit to compare rates quite often because rates trend upward over time. Just because you found the lowest rates on Stratus insurance on your last policy you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to find out the best methods to find great coverage at a great price.

If you have insurance now or are just looking to switch companies, you will benefit by learning to get lower rates while maximizing coverage. Buying car insurance is quite easy. Drivers only need an understanding of the most efficient way to get comparison quotes over the internet.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few must be asked about prior to getting the savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your policy on Stratus insurance.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could qualify for lower rates on the low mileage vehicles.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy can get a discount on all vehicles.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

It’s important to note that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will cut the cost of coverage.

For a list of companies who offer car insurance discounts, click here to view.

How to Get Cheap Car Insurance

All major car insurance companies like Allstate, Geico and Progressive give insurance quotes on the web. Getting quotes is quite simple as you just enter your personal and coverage information as detailed in the form. Upon sending the form, their rating system collects credit information and your driving record and returns a price quote based on many factors. Quoting online simplifies rate comparisons, but the process of having to visit multiple sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest price.

An easier way to find better car insurance pricing requires only one form to obtain quotes from several companies at one time. This type of form saves time, requires less work, and makes online quotes much easier. After sending the form, it is quoted with multiple companies and you can pick any one of the quotes returned.

If you find a better price you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you enter the coverage information identical to your current policy. Using the same limits helps guarantee you will get rate comparison quotes based on identical coverages.

Dodge Stratus insurance rates can be determined by these details

It’s important that you understand some of the elements that play a part in calculating car insurance rates. Understanding what influences your rates allows you to make educated decisions that can help you get lower car insurance prices.

Shown below are a partial list of the pieces companies use to determine your rates.

  • Cautious drivers pay less – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records get better rates compared to drivers with tickets. Even one moving violation may increase your cost forty percent or more. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Policy add-ons can waste money – There are a lot of extra coverages you can purchase when buying car insurance. Things like roadside assistance, better glass coverage and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents at a similar rate, but the men cause more damage. Men also statistically receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Poor credit can mean higher rates – A driver’s credit rating is a huge factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit. Therefore, if your credit score can use some improvement, you could be paying less to insure your 1999 Dodge Stratus by improving your rating.
  • Discounts for multiple policies – Some companies will award you with lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to compare rates to verify if the discount is saving money.
  • Lower rates come with age – Older insureds are more responsible, tend to file fewer claims and are safer drivers. Teen drivers are known to get distracted easily when behind the wheel therefore car insurance rates are much higher.

Do I need special coverages?

When buying the best insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When can my company non-renew my policy?
  • When should I remove comp and collision on my 1999 Dodge Stratus?
  • Am I covered if hit by an uninsured driver?
  • Exactly who is provided coverage by my policy?
  • Is my 1999 Dodge Stratus covered for flood damage?
  • What if I owe more than I can insure my car for?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Are you falling for claims of savings?

Consumers can’t get away from ads for car insurance savings by companies like Allstate, Geico and Progressive. They all make an identical promise that you can save after switching to them.

But how can every company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Potential insureds who don’t qualify for the “perfect” profile will be charged a more expensive rate which usually ends up with business not being written. The ads state “customers that switch” but not “drivers who get quotes” save money. That’s why insurance companies can make those claims.

That is why it’s extremely important to quote coverage with many companies. It’s impossible to know which company will give you the biggest savings on Dodge Stratus insurance.

Car insurance coverages for a 1999 Dodge Stratus

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses such as funeral costs, nursing services and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they 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, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, emergency aid, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision coverage protection

Collision insurance covers damage to your Stratus resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

More choices the merrier

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price.

We just covered many ways to get a better price on 1999 Dodge Stratus insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even find the lowest priced insurance comes from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

Affordable insurance can be found from both online companies and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

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