Cheapest 2004 Dodge Stratus Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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Perplexed by the number of car insurance options? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can be a challenge to find the lowest price.

If you have car insurance now, you should be able to cut costs considerably using these tips. Locating affordable coverage is easy if you know what you’re doing. Although consumers do need to learn the methods companies use to market insurance on the web and apply this information to your search.

Dodge Stratus premiums are determined by many factors

Smart consumers have a good feel for some of the elements that go into determining the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Men pay higher rates – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Extra add-on coverages are wasting money – There are many add-on coverages that you can get tricked into buying when buying auto insurance. Insurance for personal injury protection, accidental death and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Car features impact rates – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Bundling policies can get discounts – Some insurers will give a discount to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to comparison shop to verify if the discount is saving money. Drivers may still find better rates by buying auto insurance from a different company.
  • Poor credit can mean higher rates – Your credit score is a huge factor in calculating your auto insurance rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. So if your credit rating is low, you could pay less to insure your 2004 Dodge Stratus by repairing your credit.
  • You might want pay the small claims yourself – Auto insurance companies generally give discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Never let your coverage lapse – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.

Compare Insurance Coverage Today

Shopping for lower insurance coverage rates can be exhausting if you don’t know the best way to get rate quotes. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quotes to get the quickest rates.

Most of the larger companies enroll in a system where insurance shoppers send in one quote, and each company returns a rated price for coverage. This saves time by eliminating quotation requests to each individual insurance coverage company.

To submit your quote information now, click here to start a free quote.

The only downside to comparing rates this way is that you can’t choose which carriers you will receive quotes from. If you prefer to choose specific insurance companies to compare, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Whichever method you choose, double check that you are using the exact same coverage limits with each company. If you have different deductibles it will be impossible to make a fair comparison for your Dodge Stratus. Having just a slight variation in limits can result in a big premium difference. Keep in mind that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

How can Allstate and Progressive save drivers who switch?

Auto insurance companies such as Allstate and Progressive regularly use ads on television and other media. They all seem to make an identical promise that you’ll save big if you move to them. How do they all claim to save you money?

Different companies have a preferred profile for the type of driver they prefer to insure. An example of a driver they prefer could be between 30 and 50, owns a home, and has a high credit rating. A driver who matches those parameters will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who don’t meet the “perfect” profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much money. That’s why companies can truthfully make those claims. That is why it is so important to get quotes from several different companies. Because you never know which auto insurance company will provide you with the cheapest Dodge Stratus insurance rates.

Don’t overlook these discounts

Companies offering auto insurance don’t always list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with lower rates on the low mileage vehicles.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in high school.
  • Auto/Home Discount – If you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Paperless Signup – Certain companies will give a small break simply for signing online.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.

It’s important to understand that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company which discounts they offer. Discounts might not apply in your area.

Is my situation unique?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

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

  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I hit a deer?
  • Am I covered if I wreck a rental car?
  • Do I really need UM/UIM coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Parts of your insurance policy

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills for things like EMT expenses, rehabilitation expenses, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. 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 covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance – This protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, sideswiping another vehicle, crashing into a ditch, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Money doesn’t grow on trees

Low-cost 2004 Dodge Stratus insurance can be found from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We covered many ways to lower your insurance rates. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with an unexpected company.

People change insurance companies for a number of reasons such as unfair underwriting practices, denial of a claim, lack of trust in their agent and even being labeled a high risk driver. Whatever your reason, switching car insurance companies can be pretty painless.

Additional car insurance information is available below:

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