2004 Dodge Stratus Car Insurance Cost – 6 Ideas for Cheapest Prices

Want the cheapest insurance coverage rates? Drivers have lots of choices when trying to find low-cost Dodge Stratus insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and you need to know the best way to price shop coverage for a new or used Dodge and locate the best price possible from both online companies and local agents.

You need to shop coverage around occasionally since rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Stratus coverage a year ago you can probably find a lower rate today. There is a lot of wrong information about insurance coverage on the web, but I’m going to show you some excellent ideas to reduce your insurance coverage bill.

You probably qualify for some discounts

Car insurance is not cheap, but there are discounts available to help offset the cost. Some discounts apply automatically when you quote, but some must be specifically requested prior to receiving the credit. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Bundle and Save – When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates on Stratus coverage.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could be rewarded with discounted rates on garaged vehicles.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.

It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut your premiums.

Insurance companies that may have some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts may not apply in your state.

Drivers who switch save $452 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings by companies like Progressive, Allstate and GEICO. All the companies make the same claim that you’ll save big after switching to them.

But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured could be between the ages of 40 and 55, a clean driving record, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t meet the “perfect” profile must pay higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save money. That’s the way insurance companies can confidently make those claims.

This illustrates why drivers should get quotes from several different companies. Because you never know which company will give you the biggest savings on Dodge Stratus insurance.

There’s no such thing as the perfect policy

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions might help in determining if your insurance needs may require specific advice.

  • How high should deductibles be on a 2004 Dodge Stratus?
  • How much can I save by bundling my policies?
  • How do I insure my teen driver?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need an umbrella policy?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

Collision coverage will pay to fix damage to your Stratus from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for things like pain medications, EMT expenses, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible


This coverage protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like bail bonds, attorney fees, medical services, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Keep this in mind

In this article, we covered many ideas to lower your 2004 Dodge Stratus insurance rates. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with an unexpected company.

Drivers who switch companies do it for a variety of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, high prices and even not issuing a premium refund. No matter why you want to switch, finding the right insurance coverage provider is less work than it seems.

Discount insurance is possible both online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

More tips and info about insurance coverage can be found by following these links: