Cheap 1998 Dodge Stratus Insurance Rates

Want the cheapest insurance coverage rates for your Dodge Stratus? Cutting costs on insurance coverage can seem to be challenging for consumers new to shopping for insurance online. Drivers have so many companies to choose from that it can quickly become more work than you anticipated to find lower rates.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. This information will help you learn how to effectively get price quotes and some tips to save money. But consumers do need to learn the way insurance companies market insurance on the web and apply this information to your search.

Comprehensive Insurance Coverage Comparison

All major insurance coverage companies such as GEICO, State Farm and Progressive allow you to get insurance quotes directly from their websites. Getting quotes is quite easy as you simply enter your required coverages into a form. After the form is submitted, the company’s rating system obtains your credit score and driving record and gives you a price quote based on these factors.

Quoting online streamlines rate comparisons, but the process of having to visit different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to have as many quotes as possible in order to get a better rate.

A less time-consuming method to find better insurance coverage pricing is to use a quote form to get prices from several different companies. It’s a real time-saver, eliminates form submissions, and makes quoting online a lot less work. After your information is entered, it is rated and you can select any one of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out how much you’re overpaying now, click here and fill out the form. To compare your current rates, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This ensures you will get a price comparison for similar insurance coverage.

Factors determining your Dodge Stratus insurance premium

An important part of buying insurance is that you know the rating factors that come into play when calculating your auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

The list below includes some of the items auto insurance companies consider when setting rates.

  • How’s your driving record? – Your driving citation history has a lot to do with how much you pay for insurance. Just one ticket can bump up the cost by twenty percent. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Safe vehicles cost less to insure – Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Dodge Stratus has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as judges, social workers and dentists tend to have the highest average rates attributed to job stress and long work hours. Other occupations like farmers, historians and homemakers receive lower rates for Stratus insurance.
  • Adjust deductibles and save – Physical damage coverage, also known as collision and other-than-collision, protects your Dodge from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, or theft. Your deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more the insured has to pay upfront, the lower your rates will be for Stratus insurance.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Proper usage rating affects rates – The more miles you rack up on your Dodge in a year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated Stratus can result in significantly higher rates. Double check that your auto insurance policy is rated on how each vehicle is driven.
  • Don’t cancel a policy without a new one in place – Allowing your auto insurance policy to lapse is a fast way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a license revocation or jail time.You may then be required to file a SR-22 with your state DMV.

Verify you’re getting all your discounts

Companies don’t list all their discounts very well, so we researched some of the best known and the more hidden auto insurance savings.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Stratus insurance depending on your company.
  • Accident Free – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break when shopping for auto insurance for Stratus insurance.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies that may have these discounts may include but are not limited to:

Double check with each company what discounts are available to you. All car insurance discounts may not apply in every state.

When should I talk to an agent?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • How high should my medical payments coverage be?
  • Does my medical payments coverage pay my health insurance deductible?
  • How much liability insurance is required?
  • What is the ISO rating for a 1998 Dodge Stratus?
  • When do I need to add a new car to my policy?
  • What can I do if my company denied a claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

Liability insurance can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like court costs, medical services, structural damage and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, X-ray expenses and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

At the end of the day…

Insureds switch companies for many reasons like policy cancellation, being labeled a high risk driver, extreme rates for teen drivers and questionable increases in premium. Whatever your reason, choosing a new company is actually quite simple.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

You just read some good ideas how to compare 1998 Dodge Stratus insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a smaller regional carrier.

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