1999 Dodge Intrepid Insurance Quotes – 6 Discounts for Best Rates

Looking for cheaper insurance rates for your Dodge Intrepid? No one likes having to buy insurance, in particular when they are paying too much. Companies like Allstate and Progressive all promote huge savings with catchy ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

Fast and Easy Car Insurance Quotes

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Most of the best insurance companies enroll in a system where prospective buyers submit one quote, and at least one company then gives them pricing based on that data. This eliminates the need for quote requests to each individual car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

The one downside to getting quotes like this is you cannot specify the insurers to get quotes from. So if you want to select from a list of companies to compare rates, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare the exact same coverage limits on every quote. If you use mixed coverages it will be very difficult to find the best deal for your Dodge Intrepid.

Be sure to get all your discounts

Car insurance can cost a lot, but there are discounts available that you may not know about. Certain discounts will be applied when you quote, but a few must be specially asked for before being credited. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Homeowners Pay Less – Owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could qualify for discounted rates on garaged vehicles.
  • Auto/Home Discount – When you have multiple policies with the same company you may earn up to 20% off your total premium.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

Consumers should know that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But any discount will bring down your overall premium however.

For a list of providers with the best car insurance discounts, click this link.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions could help you determine if your situation might need professional guidance.

  • Is my custom paint covered by insurance?
  • How do I insure my teen driver?
  • Who is covered when they drive my 1999 Dodge Intrepid?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the ISO rating for a 1999 Dodge Intrepid?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance ads bend the truth

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all say the same thing about savings if you switch your policy.

But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, owns a home, and has excellent credit. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who do not match the “perfect” profile will be quoted higher premiums and ends up with the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully state the savings.

This emphasizes why drivers must compare many company’s rates. It’s impossible to know the company that will provide you with the cheapest Dodge Intrepid insurance rates.

Coverages available on your policy

Having a good grasp of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like dental work, nursing services, doctor visits, chiropractic care and pain medications. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, falling objects and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Intrepid caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, rolling your car, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability insurance – This coverage will cover injuries or damage you cause to people or other property. 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 values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles, funeral expenses and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Knowledge is power

Budget-conscious 1999 Dodge Intrepid insurance is possible on the web as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

You just read quite a bit of information on how to save on insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

More articles