Finding better insurance prices for a Dodge Intrepid can normally be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Dodge and get the lowest price from both online companies and local agents.
It is always a good idea to compare rates at least once a year because rates are variable and change quite frequently. Just because you had the lowest rates on Intrepid insurance last year other companies may now be cheaper. So just ignore everything you know about car insurance because you’re going to learn the right way to remove unneeded coverages and save money.
If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Locating affordable car insurance coverage is not that difficult. But vehicle owners should learn the way insurance companies price online insurance and take advantage of how the system works.
Dodge Intrepid insurance rates are influenced by…
It’s important that you understand the rating factors that help determine car insurance rates. When you know what positively or negatively determines base rates enables informed choices that can help you get big savings.
- Are you male or female? – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like DUI and reckless driving.
- Where you live – Residing in less populated areas has it’s advantages when it comes to car insurance. Urban drivers regularly have congested traffic and longer commutes to work. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
- Rate your vehicle for proper use – The higher the mileage driven each year the higher your rates will be. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Intrepid may be wasting your money. Make sure your car insurance declarations sheet is showing the correct usage for each vehicle.
- Credit scores impact car insurance rates – Having a bad credit history is a huge factor in calculating your car insurance rates. So if your credit history is not that good, you could save money insuring your Dodge Intrepid by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
- Don’t let your coverage lapse – Having an insurance coverage lapse is a fast way to pay more for car insurance. And not only will insurance be more expensive, getting caught without coverage might get you a steep fine or even jail time.
Comparison of Car Insurance
All major car insurance companies such as State Farm and Allstate allow you to get coverage price quotes online. Getting online rates is pretty painless as you just type in your required coverages into a form. After the form is submitted, their rating system pulls information on your driving record and credit history and returns a price.
Online price quotes makes comparing rates easy, but having to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you are searching for lower prices.
There is a better way!
A more efficient way to compare car insurance pricing uses one form to get prices from more than one company. This type of form saves time, eliminates repetitive work, and makes price shopping online much easier to do. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process takes 15 minutes at the most and you will know how your current rates stack up.
To compare pricing, click here and begin entering your coverage information. If you have coverage now, it’s recommended you replicate the insurance coverages identical to your current policy. This helps ensure you will be getting a price comparison using the same coverage and limits.
Don’t miss out on these money-saving discounts
Companies offering auto insurance don’t always advertise every available discount in an easy-to-find place, so here is a list some of the best known and the more hidden ways to save on car insurance.
- Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
- Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
- One Accident Forgiven – Some insurance companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
- Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
- Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.
For a list of providers with the best car insurance discounts, click this link.
Do I need special coverages?
When buying the right insurance coverage, there is no best way to insure your cars. Every situation is different.
For instance, these questions may help you determine if you will benefit from professional help.
- Should I file a claim if it’s only slightly more than my deductible?
- Is my teen driver covered when they drive my company car?
- Who is covered by my policy?
- Is borrowed equipment or tools covered if stolen or damaged?
- Are split liability limits better than a combined single limit?
- Should I buy more coverage than the required minimum liability coverage?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.
Affordable insurance is out there
As you shop your coverage around, do not skimp on coverage in order to save money. In many instances, an insured cut full coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.
In this article, we covered many ways to save on Dodge Intrepid insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the least-expected company.
Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, being labeled a high risk driver, high prices or policy cancellation. No matter why you want to switch, finding a new car insurance company is not as hard as you think.
