Searching for lower car insurance rates for your Dodge Stratus? Perplexed by the crazy number of car insurance options? You’re not alone. Drivers have so many companies to choose from that it can quickly become a real challenge to find lower rates.
It’s a good idea to get comparison quotes at least once a year since rates change frequently. If you had the lowest rates for Stratus coverage a couple years back a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.
Companies offering auto insurance don’t always advertise all their discounts very clearly, so we took the time to find some of the best known as well as the least known discounts you could be receiving.
Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
For a list of providers offering auto insurance discounts, click here.
Most major insurance companies such as State Farm and Allstate allow you to get price estimates on the web. The process is fairly straightforward as you simply type in the coverages you want into the quote form. Upon sending the form, their rating system collects reports for credit and driving violations and generates pricing information.
Online quotes makes comparing rates easy, but having to visit different websites and fill out multiple forms gets old quite quickly. But it’s very important to do this if you are searching for the best price on car insurance.
There is a better way!
The preferred way to locate the lowest prices uses one form that analyzes rates from a lot of companies. It saves time, requires much less work on your part, and makes quoting online much more enjoyable. After sending the form, it is quoted with multiple companies and you can pick any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.
To find out how much you can save on car insurance, click here and submit your coverage information. If you currently have coverage, we recommend you copy the coverage information just like they are on your policy. Using the same limits helps guarantee you’re receiving a price comparison based on identical coverages.
When it comes to choosing the best auto insurance coverage, there is no cookie cutter policy. Each situation is unique.
Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.
Knowing the specifics of a auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.
Collision insurance will pay to fix damage to your Stratus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as hitting a parking meter, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Stratus.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for expenses such as dental work, funeral costs, nursing services, chiropractic care and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. 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. PIP is not an option in every state and may carry a deductible
Comprehensive auto coverage
This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a broken windshield, hitting a bird, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability car insurance
This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from 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. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles, bail bonds, funeral expenses and attorney fees. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
Consumers leave their current company for a variety of reasons including unfair underwriting practices, not issuing a premium refund, high prices or even extreme rates for teen drivers. Regardless of your reason, finding the right car insurance provider is actually quite simple.
We’ve covered a lot of ways to shop for 1996 Dodge Stratus insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small local company.
As you prepare to switch companies, never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice full coverage to discover at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.