2000 Dodge Stratus Car Insurance Cost – 7 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Searching for affordable insurance coverage on the web may be somewhat difficult for beginners to price shopping online. With so many online companies, how can consumers effectively compare every one to find the lowest price available?

The purpose of this article is to tell you the best way to quote coverages and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. But consumers can benefit by having an understanding of the way insurance companies sell online because it can help you find the best coverage.

Compare Insurance Today

To find the best insurance prices, there are several ways of comparing rate quotes from different insurance companies. The quickest method to find competitive 2000 Dodge Stratus insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way consumers can analyze rates is a comparison rater form like this one (opens in new window). This easy form eliminates the need for a different quote to each individual insurance company. In just a few minutes this one form will get you rate comparisons direct from many companies. It’s the fastest way to compare.
  2. Another way to obtain and compare quotes online requires you to visit the website for each individual company and complete a new quote form. For instance, let’s say you want comparison quotes from Liberty Mutual, Esurance and Travelers. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. Drivers can get prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverages and limits for every quote you compare. If the quotes have different values for each quote then you won’t be able to determine the lowest rate for your Dodge Stratus. Quoting even small variations in limits may result in large price differences. Just remember that comparing more company’s prices helps locate the best rates.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Homeowners Savings – Owning a home may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • 55 and Retired – Older drivers may be able to get a discount up to 10% for Stratus coverage.
  • Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Distant Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

To see a list of providers who offer car insurance discounts, click here to view.

Situations that might require an agent

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • What is PIP insurance?
  • Are my friends covered when driving my 2000 Dodge Stratus?
  • Does car insurance cover theft of personal property?
  • Can I make deliveries for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my 2000 Dodge Stratus need full coverage?
  • Which companies will insure high-risk drivers?
  • Is my custom paint covered by insurance?
  • When should I not file a claim?
  • How high should my medical payments coverage be?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage specifics

Having a good grasp of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability coverages – This will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills for prosthetic devices, X-ray expenses, hospital visits, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays for damage to your Stratus resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, crashing into a ditch, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

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