Searching for lower auto insurance rates for your Dodge Stratus? Have you fallen victim to high-priced auto insurance? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy.
Consumers have many insurance companies to pick from, and even though it’s nice to have a choice, it makes it harder to get the best deal.
It’s a good idea to take a look at other company’s rates periodically due to the fact that insurance rates are usually higher with each renewal. Just because you had the best rates for Stratus coverage a year ago you may be paying too much now. So just ignore everything you know about auto insurance because it’s time to teach you the best way to find lower rates on auto insurance.
This article will help educate you on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Nevertheless, vehicle owners do need to understand the methods companies use to sell insurance online.
Most major insurance companies provide prices for coverage online. Getting online rates is quite simple as you just enter the coverages you want into the quote form. After you submit the form the system makes automated requests for information on your driving record and credit history and provides a quote. This helps simplify price comparisons, but having to visit a lot of sites and type in the same information gets old quite quickly. But it’s very important to get many rate quotes in order to find better prices.
An easier way to find cheaper rates uses one simple form that obtains quotes from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. After sending the form, your coverage is rated and you can choose any of the resulting price quotes.
If you find a better price it’s easy to complete the application and purchase coverage. This process takes just a few minutes to complete and could lower your rates considerably.
To find out if lower rates are available, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you replicate your coverages exactly as shown on your declarations page. Doing this guarantees you will have a fair comparison for the exact same coverage.
The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be specifically requested before you will receive the discount.
A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, companies don’t profit that way. But any discount will help reduce your overall premium however.
For a list of insurance companies with the best insurance coverage discounts, click here.
An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance. Understanding what determines base rates empowers consumers to make smart changes that can help you get big savings.
The following are some of the factors used by your company to calculate your rates.
When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you might need professional guidance.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find 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.
Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages offered by car insurance companies.
This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as vandalism, damage from flooding, a tree branch falling on your vehicle and theft. The maximum amount a car 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.
Uninsured and underinsured coverage
This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP provide coverage for immediate expenses like dental work, prosthetic devices, EMT expenses, nursing services and ambulance fees. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Liability auto insurance
Liability insurance protects you from damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover 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. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like pain and suffering, court costs and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
Collision coverage protection
Collision coverage will pay to fix damage to your Stratus 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 coverage pays for claims such as sideswiping another vehicle, rolling your car, sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.
Cheap 2003 Dodge Stratus insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
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