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Dodge Stratus Insurance Rates

Shopping for auto insurance through online providers can be fast and easy, in addition you can save money. The most important part is to take the time to get rates from all providers in order to accurately compare all your choices.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online companies offering insurance. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a Dodge Stratus can vary widely depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Credit rating
  • Where you reside can make a big difference
  • Annual mileage can affect rates
  • Your gender can raise or lower rates
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Your claim history
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

An additional factor that will help determine Stratus insurance rates is the year of the vehicle. Models that are new have a higher replacement value than older models so the cost to replace them can inflate annual premiums. But newer models may have safety features including active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which can help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability auto insurance

This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your Dodge from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Dodge Stratus Insurance Rates?