Lower Your 2001 Dodge Intrepid Car Insurance Cost

Finding low-cost insurance for a Dodge Intrepid can be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to shop for insurance and we’ll show you the quickest way to compare rates for a Dodge and get the cheapest rates from both online companies and local agents.

Policy discounts you shouldn’t miss

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked about before being credited. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • College Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Intrepid coverage with a few car insurance companies.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Sign Online – A few companies may give you up to $50 for buying your policy digitally online.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

A partial list of companies who might offer these discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts might not apply everywhere.

The quickest way to compare policy rates is to realize auto insurance companies provide online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information including how much coverage you want, how old drivers are, how much you drive, and if a SR-22 is required. That information is sent automatically to many highly-rated insurers and they respond with quotes quickly.

To get price quotes for your 2001 Dodge Intrepid, click here and find out if you can get cheaper insurance.

Your Dodge Intrepid insurance rate is a complex equation

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for insurance coverage. Knowing what determines base rates enables informed choices that could result in better insurance coverage rates.

  • An active claims history can cost you – Companies generally give lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Discounts for married couples – Having a spouse helps lower the price on your insurance coverage policy. Marriage is viewed as being more mature and statistics show being married results in fewer claims.
  • Do you have a high stress job? – Occupations such as lawyers, social workers and accountants are shown to have higher rates than average because of job stress and long work hours. On the flip side, occupations like pilots, athletes and the unemployed pay the least on Intrepid coverage.
  • Choose a safe vehicle and save – Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates. If your Dodge Intrepid scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Younger drivers pay higher rates – More mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers are statistically proven to be less responsible when driving therefore insurance coverage rates are much higher.
  • A clean driving record saves money – Your driving record has a big impact on rates. Drivers who don’t get tickets get better rates than bad drivers. Even one moving violation can bump up the cost forty percent or more. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Men are more aggressive – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Men and women have accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.

Insurance agents can help

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • Is my nanny covered when driving my vehicle?
  • What if I total my 2001 Dodge Intrepid and owe more than it’s worth?
  • Can I afford to buy a different vehicle if my 2001 Dodge Intrepid is totaled?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when delivering products for my home-based business?
  • When would I need rental car insurance?
  • Do I need added coverage for expensive stereo equipment?
  • What can I do if my company denied a claim?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage options for a 2001 Dodge Intrepid

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.


This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for 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. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, structural damage, medical services and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Dodge Intrepid.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a broken windshield and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays for damage to your Intrepid resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for things like hospital visits, X-ray expenses, prosthetic devices and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Quote more, save more

Cheaper 2001 Dodge Intrepid insurance is possible from both online companies as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

People leave their current company for a variety of reasons including high prices, unfair underwriting practices, lack of trust in their agent or policy non-renewal. Regardless of your reason, finding a new company can be less work than you think.

In this article, we covered a lot of techniques to shop for insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

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