Compare 1994 Chrysler LHS Insurance Quotes

Having to pay for overpriced insurance can overdraw your savings account and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet. There are many auto insurance companies to choose from, and even though it’s nice to have a choice, it makes it harder to find the lowest rates.

Buying car insurance is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can learn to find the best rates and possibly find even better coverage. Vehicle owners only need an understanding of how to shop their coverage around online.

The best way to compare rate quotes is to take advantage of the fact car insurance companies actually pay money for the chance to give free rates quotes. To start a quote, the only thing you need to do is give the companies some data such as deductibles desired, an estimate of your credit level, how you use your vehicles, and whether you are single or married. Those rating factors is then submitted to many of the top insurers and you will get price comparisons with very little delay.

To compare rates now, click here and find out if you can get cheaper insurance.

Save with discounts on 1994 Chrysler LHS insurance

Car insurance companies don’t always advertise all available discounts very clearly, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • Government Employees – Employees or retirees of the government can save as much as 8% on LHS coverage with a few insurance companies.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies who might offer these discounts are:

It’s a good idea to ask each company how you can save money. Some discounts may not be available in every state.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my 1994 Chrysler LHS need full coverage?
  • At what point should I drop full coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is high-risk coverage and where do I buy it?
  • Do I need replacement cost coverage?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a 1994 Chrysler LHS

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

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

Collision can pay for claims like hitting a parking meter, crashing into a ditch, sideswiping another vehicle, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance – Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as legal defense fees, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chrysler LHS.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, rock chips in glass, a broken windshield, falling objects and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, surgery, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible