2001 Dodge Stratus Insurance Quotes

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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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Trying to find lower insurance rates for your Dodge Stratus? Are you overwhelmed by the dozens of insurance companies? You’re not alone. There are so many options that it can easily become a ton of work to locate the lowest price.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. But car owners do need to learn the methods companies use to market on the web and take advantage of how the system works.

Vehicle Insurance Comparison

There are a lot of ways you can shop for car insurance but some are less time-consuming than others. You could waste a few hours talking to insurance agencies in your area, or you can utilize the internet to get prices fast.

Many companies belong to a marketplace that enables customers to submit their information once, and each company returns a rated price based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to getting quotes like this is you can’t choose which providers to receive prices from. If you would rather choose individual companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click to view list.

It’s up to you which method you use, but compare identical coverage limits and deductibles for each comparison quote. If your comparisons have unequal deductibles or liability limits it’s impossible to make a fair comparison for your Dodge Stratus. Slightly different insurance coverages may result in a large different in cost. And when comparing car insurance rates, know that more quotes gives you a better chance of getting the best rates.

How much car insurance do I need?

When buying coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • Are my friends covered when driving my 2001 Dodge Stratus?
  • Should I buy only the required minimum liability coverage?
  • Should I put collision coverage on all my vehicles?
  • I have a DUI can I still get coverage?
  • How can I find cheaper teen driver insurance?
  • How does medical payments coverage work?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

This 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 insurance covers things like hail damage, a broken windshield, damage from getting keyed and falling objects. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

This protects you from damage that occurs to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, emergency aid, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, backing into a parked car, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, chiropractic care and surgery. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

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