Cheap 2002 Dodge Intrepid Insurance Quotes

Searching for the cheapest insurance coverage rates? Consumers have a choice when looking for the best price on Dodge Intrepid insurance. You can either spend your time struggling with agents getting price quotes or use the internet to get rate quotes. There are both good and bad ways to buy insurance coverage so you’re going to learn the best way to price shop coverage for a Dodge and find the lowest possible price either online or from local insurance agents.

How to Compare Insurance Coverage Costs

All the larger insurance coverage companies allow you to get price estimates on their websites. The process is fairly simple as you just enter the amount of coverage you want as detailed in the form. After you complete the form, their rating system requests credit information and your driving record and generates a price determined by many factors.

This simplifies rate comparisons, but the time it takes to visit many different websites and type in the same information is repetitive and time-consuming. But it’s very important to get many rate quotes in order to find a better rate.

The smarter way to find lower prices requires only one form that gets price quotes from a lot of companies. It saves time, reduces the work, and makes price shopping online much more efficient. Once the form is submitted, it is rated and you are able to buy your choice of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. It takes less than 15 minutes and may save quite a bit of money.

In order to use this form to compare rates, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you duplicate the limits and deductibles just like they are on your policy. This helps ensure you will get an apples-to-apples comparison for similar coverage.

Save 15 percent in 15 minutes? Is it for real?

Drivers can’t ignore all the ads for car insurance savings from companies such as GEICO, State Farm and Progressive. They all make the same claim that you’ll save big if you move your policy.

How can each company say the same thing?

Different companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured might be profiled as over the age of 50, is a homeowner, and has a high credit rating. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall outside these standards will be quoted higher prices which leads to business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently advertise the savings. This emphasizes why you absolutely need to get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest Dodge Intrepid insurance rates.

Factors that can influence insurance rates for a Dodge Intrepid

It’s important that you understand the rating factors that help determine insurance rates. Knowing what determines base rates enables informed choices that will entitle you to better insurance rates.

The following are a partial list of the pieces insurance companies consider when setting prices.

  • Too many insurance claims drive up costs – Companies award lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Teen drivers pay high rates – Mature drivers are more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers tend to be more careless in a vehicle and because of this, their insurance rates are much higher.
  • Don’t sacrifice liability coverage – Liability coverage provides coverage when a court rules you are at fault for damages from an accident. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • High credit ratings translate to low rates – Having a bad credit rating is a important factor in your rate calculation. People with good credit tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your 2002 Dodge Intrepid by spending a little time repairing your credit.
  • Careful drivers pay lower rates – Your driving record impacts your car insurance rates tremendously. Even a single moving violation can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you. If your Dodge is rated at least four stars on Safercar.gov you may qualify for a discount.
  • The more you drive the more you pay – The more miles you rack up on your Dodge each year the more you will pay for insurance. Most insurance companies rate vehicles based on their usage. Vehicles left parked in the garage can get a lower rate than vehicles that are driven to work every day. If your policy improperly rates your Intrepid can result in significantly higher rates. Make sure your insurance policy is rated on how each vehicle is driven, because it can save money.

Are you getting all your discounts?

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Accident Free – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Intrepid insurance than drivers with accident claims.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Intrepid insurance depending on your company.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.

It’s important to understand that most credits do not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

A partial list of companies who might offer these money-saving discounts are:

Double check with every prospective company what discounts are available to you. Savings may not be available in your state.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a new car covered when I drive it off the dealer lot?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Specific coverage details

Learning about specific coverages of auto insurance aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for collisions

This will pay to fix damage to your Intrepid caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for prosthetic devices, rehabilitation expenses, ambulance fees, dental work and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 coverage protects against claims like damage from flooding, hitting a bird, rock chips in glass, damage from getting keyed and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, bail bonds, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

More choices the merrier

Cheap 2002 Dodge Intrepid insurance can be found on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, never buy poor coverage just to save money. In many cases, someone dropped liability coverage limits only to regret that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

People change insurance companies for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, policy cancellation or being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company is easier than you think.

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