How Much Does 1993 Dodge Intrepid Car Insurance Cost?

Finding cheaper insurance for a new or used Dodge Intrepid can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.

There are both good and bad ways to find auto insurance online and we’ll show you the absolute fastest way to quote coverages for your Dodge and locate the cheapest rates either online or from local insurance agents.

Consumers need to shop coverage around occasionally because prices tend to go up over time. Just because you found the best deal for Intrepid insurance a few years ago you can probably find a better price now. Starting now, ignore everything you know about auto insurance because I’m going to teach you how to quote online to reduce your cost while increasing coverage.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few must be manually applied before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill depending on where you live.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Memberships – Affiliation with certain professional organizations could qualify you for a break on insurance coverage for Intrepid insurance.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Intrepid insurance with a few insurance coverage companies.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Own a Home – Simply owning a home can save you money because owning a home requires personal responsibility.

It’s important to note that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce the cost of coverage.

Companies that may offer these benefits may include but are not limited to:

Double check with each company how you can save money. All car insurance discounts might not apply everywhere.

Dodge Intrepid insurance rates consist of many parts

An important part of buying insurance is that you know the factors that help determine your insurance rates. Knowing what controls the rates you pay enables informed choices that could result in lower insurance prices.

  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Dodge Intrepid is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • High numbers of claims are not good – Car insurance companies generally give lower rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Lower rates come with age – More mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to be less responsible when driving and because of this, their insurance rates are much higher.
  • Traffic violations increase rates – Even a single moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who get severe violations like DUI or reckless driving may be required to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Multiple policies with one company can save – Some insurers will award you with lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Policy add-ons can waste money – There are a ton of additional coverages that can waste your money if you aren’t careful. Coverages for roadside assistance, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate them to save money.
  • High credit ratings translate to low rates – Having a bad credit score is a large factor in determining what you pay for insurance. People with high credit scores tend to be more responsible than those with lower ratings. If your credit score is low, you could be paying less to insure your 1993 Dodge Intrepid by improving your credit score.

What coverages do I need?

When it comes to choosing the best car insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation may require specific advice.

  • How do I buy GAP insurance?
  • Do I really need UM/UIM coverage?
  • What if I total my 1993 Dodge Intrepid and owe more than it’s worth?
  • Do I need roadside assistance coverage?
  • Am I covered when using my vehicle for business?
  • Should I put collision coverage on all my vehicles?
  • Is pleasure use cheaper than using my 1993 Dodge Intrepid to commute?
  • Can I afford low physical damage deductibles?
  • Am I covered by my spouse’s policy after a separation?
  • Does my 1993 Dodge Intrepid qualify for pleasure use?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Ads can be misleading

Drivers can’t ignore all the ads for the lowest price auto insurance by State Farm and Allstate. All the ads make an identical promise that you can save if you change to their company.

How do they all say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that earns them a profit. A good example of a profitable customer might be profiled as a mature driver, has no driving citations, and drives less than 10,000 miles a year. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Potential customers who don’t measure up to these standards must pay more money and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. This is how companies can state the savings.

This illustrates why it is so important to get quotes from several different companies. It’s not possible to predict which insurance companies will provide you with the cheapest Dodge Intrepid insurance rates.

Parts of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages – Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like emergency aid, bail bonds, medical services and court costs. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for immediate expenses for things like pain medications, hospital visits, surgery, rehabilitation expenses and chiropractic care. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, a tree branch falling on your vehicle, theft, falling objects and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Intrepid.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Don’t throw your cash in the trash

Affordable 1993 Dodge Intrepid insurance is available online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Throughout this article, we presented many ideas to shop for insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with a small mutual company.

People who switch companies do it for a variety of reasons including lack of trust in their agent, delays in paying claims, high prices or even policy non-renewal. Regardless of your reason for switching companies, finding the right insurance coverage provider can be less work than you think.

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