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Dodge Stratus Insurance Rates

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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: Jun 13, 2023

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You have lots of choices when trying to find low-cost insurance for your Dodge Stratus. You can get prices from an insurance agent or go online to check prices from many different car insurance companies. Shopping for car insurance through online rate quotes can be fast and easy and at the same time you may find lower rates.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies selling insurance. The are a couple different ways to compare rate quotes and find the best price. The simplest method to find competitive Dodge Stratus insurance cost consists of shopping online. It is quite easy and can be accomplished by completing this short form.

Which factors influence your insurance rates?

Insurance premiums for a Dodge Stratus can vary widely depending on several factors. Taken into consideration are:

  • Higher performance Stratus vehicles cost more
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Mature drivers pay less
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • Your job
  • Insurance coverage level
  • Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new Stratus models so repair costs tend to be lower which may result in lower rates. Although new Stratus models have more advanced features included like a backup camera, lane departure warning system, and traction control which can give discounted rates.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Dodge Stratus collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper Dodge Stratus insurance quotes.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

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