Looking for better car insurance rates for your Dodge Stratus? Overpriced Dodge Stratus insurance can dwindle your personal savings, especially in this economy. Comparing price quotes is free and is an excellent way to tighten up your finances. Companies like State Farm, Progressive and GEICO promote their brand names with catchy ads and it can be hard to sift through the bull and find the best price available.
Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known auto insurance savings. If they aren’t giving you every credit you qualify for, you are throwing money away.
A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.
For a list of companies with the best auto insurance discounts, follow this link.
Getting a cheaper price on 2000 Dodge Stratus insurance is surprisingly easy. Drivers just need to spend a little time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
The recommended way consumers can analyze rates is a comparison rater form click to view form in new window. This method saves time by eliminating separate forms to each individual auto insurance company. One form submission will return quotes from all major companies.
A different way to get quotes online requires you to visit the website for every company you want to comare to complete a price quote. For example, let’s say you want comparison quotes from Progressive, State Farm and American Family. You would have to go to every website to enter your coverage information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.
The most time-consuming method to compare rates is driving around to different agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you prefer the professional advice of a licensed agent. However, consumers can get prices online and still use a local agent and we’ll cover that in a bit.
It’s up to you which method you use, but make sure you use the exact same information for each comparison quote. If you are comparing mixed coverages it will be very difficult to make a fair comparison for your Dodge Stratus.
When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might point out whether or not you might need professional guidance.
If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.
Having a good grasp of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.
Coverage for medical expenses
Coverage for medical payments and/or PIP provide coverage for bills such as funeral costs, prosthetic devices, nursing services, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
Collision coverage protection
Collision coverage will pay to fix damage to your Stratus from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.
Liability car insurance
This coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability can pay for things such as court costs, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.
Coverage for uninsured or underinsured drivers
This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Stratus.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like hitting a bird, damage from flooding, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
When shopping online for car insurance, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
In this article, we presented many ways to lower your 2000 Dodge Stratus insurance rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies. They may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
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