Cheap 1999 Dodge Stratus Car Insurance Cost

Finding the cheapest insurance for a Dodge Stratus can turn out to be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to buy insurance coverage and we’ll show you the quickest way to price shop coverage for a Dodge and obtain the lowest price from both online companies and local agents.

If you have a policy now or need new coverage, you can use this information to shop for the lowest rates while maintaining coverages. Locating cheaper protection can be fairly easy. Vehicle owners just need to learn the best way to shop for car insurance online.

Comprehensive Insurance Comparison

All major insurance companies like State Farm, GEICO and Progressive quote prices on their websites. Obtaining pricing is fairly straightforward as you just enter the coverage amounts you desire into the quote form. Upon sending the form, the company’s rating system obtains credit information and your driving record and generates a price based on these and other factors.

Quoting online simplifies rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s absolutely necessary to do this in order to find a better rate.

The better way to compare rates

The smarter way to find cheaper rates uses one form that gets prices from many companies. It’s a real time-saver, reduces the work, and makes rate comparisons much easier to do. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes just a few minutes to complete and you will know how your current rates stack up.

To compare rates now, click here to open in a new tab and submit the form. To compare your current rates, we recommend you input the insurance coverages identical to your current policy. This makes sure you will have a rate comparison based on the exact same insurance coverage.

Pay less for Dodge Stratus insurance

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but a few must be asked about before you will receive the discount. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Organization Discounts – Being a member of certain professional organizations may earn a discount on auto insurance for Stratus insurance.
  • Student in College – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Stratus insurance with certain companies.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Bundle and Save – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • New Car Discount – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous. But all discounts will help reduce the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Do I need an umbrella policy?
  • Can I make deliveries for my home business?
  • Can my babysitter drive my car?
  • Can I rent a car in Mexico?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I afford to buy a different vehicle if my 1999 Dodge Stratus is totaled?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Specific coverages for a 1999 Dodge Stratus

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability

This coverage will cover damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair costs for stationary objects, loss of income and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Stratus.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses like doctor visits, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage protection

This pays for damage to your Stratus from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird, theft and vandalism. The maximum amount 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.