1998 Dodge Intrepid Insurance Quotes

Perplexed by the dozens of car insurance choices? You’re not alone. Consumers have so many options available that it can easily become a challenge to find the lowest price.

You need to take a look at other company’s rates quite often due to the fact that insurance rates change frequently. If you had the lowest price for Intrepid coverage a couple years back there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance online but by reading this article, you’re going to learn the best ways to find cheap car insurance.

Buying car insurance is not rocket science. Basically, every driver who is required by state law to have car insurance should be able to find better rates. Although vehicle owners need to learn the methods companies use to sell online because it can help you find the best coverage.

Finding Insurance Coverage Deals

Effectively comparing insurance coverage prices can take hours if you don’t understand the best way to get rate quotes. You could spend your day talking to insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system that allows shoppers to complete one form, and every company can provide price quotes based on the submitted data. This eliminates the need for form submissions to every company.

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The only drawback to doing it this way is you cannot specify the companies to get pricing from. If you prefer to choose individual companies to compare, we have assembled a list of insurance coverage companies in your area. Click here to view list.

Whichever way you use, make sure you use identical deductibles and coverage limits for every quote you compare. If each company quotes differing limits it will be next to impossible to truly determine the lowest rate. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparing insurance coverage rates, know that having more price comparisons will increase your chances of finding lower pricing.

More discounts equal less premium

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so we researched some of the best known as well as the least known discounts you could be receiving.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Intrepid coverage.
  • Bundle and Save – If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

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

It’s a good idea to ask every prospective company which discounts they offer. Discounts might not apply in your state.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • How do I buy GAP insurance?
  • If my 1998 Dodge Intrepid is totaled, can I afford another vehicle?
  • Am I covered if I crash into my own garage door?
  • Does my car insurance cover rental cars?
  • Will I lose any money if I cancel my policy before it expires?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance policy specifics

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, funeral costs, rehabilitation expenses, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, falling objects and theft. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” 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 a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision insurance

Collision insurance pays for damage to your Intrepid resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, backing into a parked car, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability insurance

This coverage provides protection from damage that occurs to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover 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. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like funeral expenses, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.