How to Slash Your Dodge Intrepid Car Insurance Rates

Trying to find low-cost insurance for your Dodge Intrepid in Nevada can normally be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are more efficient ways to shop for car insurance and you need to know the best way to compare rates for your Dodge and find the lowest possible price from both online companies and Nevada agents.

You should make it a habit to shop coverage around quite often because prices are usually higher with each renewal. Despite the fact that you may have had the lowest price on Intrepid coverage six months ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about car insurance because you’re about to learn how to use the internet to find lower rates on car insurance.

Compare Quotes for Nevada Car Insurance

To find the best car insurance prices, there are several ways to compare quotes from different in Nevadainsurance companies. The easiest way by far to find competitive Dodge Intrepid insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

The single most time-saving way to find low rates is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate forms to each individual car insurance company. In just a few minutes this one form gets rate comparisons from many national carriers. Just one form and you’re done.

A more difficult way to compare prices requires a trip to the website of each company to complete a price quote. For examples sake, we’ll assume you want to compare rates from Nationwide, Progressive and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you use apples-to-apples coverages and limits for every company. If the quotes have differing limits then you won’t be able to determine the best price for your Dodge Intrepid. Just a small difference in insurance coverages can make a big difference in price. Keep in mind that quoting more helps you find a lower rate.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but some must be specially asked for before being credited. Nevada auto insurance

Save over 55 – Mature drivers may receive a small decrease in premiums on Intrepid coverage.
Federal Employees – Employees or retirees of the government may qualify you for a discount on Intrepid coverage depending on your company.
Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Intrepid coverage than their less cautious counterparts.
Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
Accident Free – Good drivers with no accidents can save substantially as compared to frequent claim filers.
Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
Defensive Driver – Completing a course in driver safety could cut 5% off your bill if you qualify.
Low Mileage Discounts – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will bring down the cost of coverage.

Your Dodge Intrepid insurance rate is a complex equation

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to better car insurance rates.

Car features impact rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
Your spouse saves you money – Getting married actually saves money on your policy. It is viewed as being more mature and responsible and statistics show drivers who are married are more cautious.
Frequent car insurance claims increase rates – If you file claims often, you can expect either higher rates or even cancellation. Car insurance companies in Nevada provide lower rates to drivers who do not file claims often. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Policy add-ons can waste money – There are a lot of add-on coverages that you can buy on your Intrepid policy. Coverages for personal injury protection, towing coverage and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Intrepid has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Where you live can impact rates – Being located in small towns and rural areas has it’s advantages when buying car insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large Nevada cities tend to have congested traffic and longer commute times. Longer commute distances translates into higher accident risk.
Do you know you’re credit rating? – Your credit history is a huge factor in determining your rates. Therefore, if your credit score is not that good, you could be paying less to insure your Dodge Intrepid by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores.

More information is located on the Nevada Division of Insurance website located here. Consumers can find a variety of consumer forms, read industry bulletins, and learn about insurance regulations.

These articles may also be worth reading.

Can you really save that much by switching?

Companies like GEICO, State Farm and Progressive consistently run television and radio advertisements. All the ads make the same claim that you’ll save big if you change to them. How does each company say the same thing?

Insurance companies are able to cherry pick for the type of customer they prefer to insure. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get very good rates and as a result will probably save quite a bit of money when switching.

Drivers who do not match this ideal profile will be quoted higher rates which usually ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can make the claims of big savings.

This emphasizes why it is so important to get as many quotes as possible. You cannot predict the company that will provide you with the cheapest rates.

One last thing

Discount Dodge Intrepid insurance can be bought both online and with local Nevada insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

Drivers change insurance companies for a number of reasons such as high prices, lack of trust in their agent, being labeled a high risk driver or unfair underwriting practices. No matter why you want to switch, switching car insurance companies can be less work than you think.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.