Comparing auto insurance online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to compare rates from as many companies as possible so you can get the lowest prices.
Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Cutting your Stratus insurance cost is not rocket science. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This can be done by completing this short form.
Auto insurance rates for your Dodge Stratus will vary greatly and are calculated by many factors. Some of these factors include:
A final factor that can impact Stratus insurance rates is the model year. New vehicles have a higher value in comparison to later models so the costs to repair will push premiums up. But newer models may have a trim level with safety features including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may give discounted rates.
To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.
Liability coverage - This protects you from damage that occurs to other's property or people. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as much as you can afford.
Collision - This coverage pays for damage to your Dodge resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.
Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Dodge Stratus comprehensive insurance. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.
UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Medical payments coverage and PIP - Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.
How Much are Dodge Stratus Insurance Rates?