Lower Your 2000 Dodge Intrepid Insurance Quotes

No one looks forward to buying insurance, particularly when their premiums are through the roof. Big companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It’s a good idea to price shop coverage every six months since rates are rarely the same from one policy term to another. If you had the lowest price on Intrepid coverage a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

These discounts can lower your rates

Car insurance companies don’t always publicize every discount very well, so we took the time to find both the well known and the more hidden ways to save on auto insurance. If you don’t get every credit you deserve, you are throwing money away.

  • Safety Course Discount – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because owning a home demonstrates responsibility.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance on Intrepid coverage.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like you could get a free auto insurance policy, it doesn’t quite work that way.

Insurance companies that may have these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. Savings might not apply everywhere.

Compare the Market for Insurance Coverage

Getting better 2000 Dodge Intrepid insurance coverage pricing is surprisingly easy. Just spend a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

One of the simplest ways to find low rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do boring form submissions to each individual insurance coverage company. Just one form compares rates from several companies.

Another way to get comparison quotes is to take the time to go to the website of each company to request a price quote. For examples sake, let’s assume you want rates from Auto-Owners, State Farm and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

The hardest method to get comparison rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional guidance of a local agent. It is possible to price shop your coverage online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverages and limits for every quote you compare. If your comparisons have higher or lower deductibles it will be very difficult to truly determine the lowest rate.

Different people need different coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Can I still get insurance after a DUI?
  • Am I covered if my car is in a flood?
  • What are the financial responsibility laws in my state?
  • When should I remove comp and collision on my 2000 Dodge Intrepid?
  • When do I need to add a new car to my policy?
  • Should I put collision coverage on all my vehicles?
  • How high should my medical payments coverage be?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Comprehensive auto insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, hitting a bird, theft, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for things like chiropractic care, hospital visits, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Intrepid.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision coverage pays for damage to your Intrepid caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, colliding with a tree, rolling your car, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability

This protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, bail bonds and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

What is YOUR best insurance company?

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

We just showed you a lot of ways to compare 2000 Dodge Intrepid insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small local company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

For more information, link through to the resources below: