2002 Dodge Intrepid Car Insurance Cost – 5 Discounts for Cheaper Prices

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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: Aug 23, 2022

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Are you a victim of an underperforming, overpriced car insurance policy? Believe me, you’re not alone.

Because there are so many different company options, it’s nearly impossible to find the best provider.

Low Cost Insurance

There are multiple methods to shop for 2002 Dodge Intrepid insurance, but one way is more efficient than others. You could spend your day talking to agents in your area, or you can utilize online quoting for quick rates.

The majority of car insurance companies belong to a marketplace that allows shoppers to submit one quote, and each participating company returns a rated price based on the submitted data. This saves time by eliminating form submissions for every insurance company. To find out what other companies charge for 2002 Dodge Intrepid insurance click to open in new window.

The one downside to doing it this way is buyers cannot specifically choose the companies you want to price. If you would rather choose individual companies to request quotes from, we have a page of low cost insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using identical quote information for every quote you compare. If you compare different limits and deductibles on each one it will be impossible to truly determine the lowest rate. Slightly different coverages may cause a big price difference. It’s important to know that comparing more company’s prices helps locate lower pricing.

Save big with these five discounts

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • Air Bag Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Intrepid insurance than drivers with accidents.

Consumers should know that some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies that may offer some of the above discounts are:

Check with each company which discounts you may be entitled to. Savings might not be offered in your state.

But I don’t know anything about car insurance

When choosing adequate coverage, there really is no one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Who is covered by my policy?
  • Is business property covered if stolen from my car?
  • Does insurance cover damages from a DUI accident?
  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company won’t pay a claim?
  • How does medical payments coverage work?
  • Is my Dodge Intrepid covered if I use it for business?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like medical expenses, funeral expenses, court costs and emergency aid. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision coverages – This coverage covers damage to your Intrepid resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills such as doctor visits, hospital visits, surgery, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Intrepid.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

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