Compare 2003 Dodge Intrepid Insurance Rates

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage.

Insurance companies such as Progressive, GEICO and Farmers Insurance promote their brand names with TV and radio ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

Free Quotes for Auto Insurance

To find the best auto insurance prices, there are several ways to compare quotes from local auto insurance companies. One of the best ways to find competitive 2003 Dodge Intrepid insurance rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This method eliminates the need for separate quotation requests to each individual auto insurance company. In just a few minutes this one form gets you price quotes from multiple low-cost companies.

A more time consuming way to obtain and compare quotes online consists of visiting the website for every company you want to comare and request a quote. For example, let’s say you want comparison quotes from Allstate, Liberty Mutual and GEICO. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The hardest way of getting rate comparisons is to spend your day driving to local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the personal advice that only a license agent can provide. It is possible to price shop online and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, double check that you are using identical quote information on every quote you get. If you use different liability limits then you won’t be able to determine the best price for your Dodge Intrepid. Quoting even small variations in coverages could mean much higher rates. Keep in mind that getting more free quotes provides better odds of finding a lower rate.

How to save on 2003 Dodge Intrepid insurance

Companies that sell car insurance don’t always list all available discounts very clearly, so we researched both well-publicized and the more hidden ways to save on car insurance.

  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Driver Safety – Completing a driver safety course can save you 5% or more depending on where you live.
  • 55 and Retired – Older drivers may receive a small decrease in premiums on Intrepid insurance.
  • Student in College – Children who live away from home and do not have a car may be able to be covered for less.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.

Consumers should know that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

For a list of insurers with discount car insurance rates, click this link.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation might need professional guidance.

  • What is no-fault insurance?
  • At what point should I drop full coverage?
  • What if I owe more than I can insure my car for?
  • How many claims can I have before being cancelled?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Intrepid.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for prosthetic devices, X-ray expenses and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This will pay to fix damage to your Intrepid from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as court costs, structural damage, loss of income and emergency aid. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, rock chips in glass, hail damage, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.