Save on 1998 Chrysler Town and Country Insurance Rates

Having to pay for overpriced Chrysler Town and Country insurance can overdraw your bank account and put the squeeze on your family’s finances. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances.

Since consumers have many options, it’s difficult to find the right provider.

It’s important to compare rates once or twice a year because insurance rates tend to go up over time. Despite the fact that you may have had the best price on Town and Country coverage a couple years back other companies may now be cheaper. Starting right now, forget all the misinformation about car insurance because you’re going to learn the fastest way to find lower rates on car insurance.

Compare Quotes for Insurance Coverage

There are several ways to compare rate quotes from different insurance companies. The best way to find the lowest 1998 Chrysler Town and Country rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

One of the best ways to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quotes to each individual insurance coverage company. Taking the time to complete one form will return quotes from all major companies.
A more difficult way to compare rate quotes requires you to visit the website for each individual company and fill out their own quote form. For instance, let’s assume you want to compare rates from Auto-Owners, Safeco and Farmers. You would have to spend time on each company’s site to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
The hardest method of comparing rate quotes is driving to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a local agent. It is possible to get the lowest quotes online and get advice from an agent in your area. We’ll cover that shortly.

Which method you use is up to you, but be sure to compare the exact same coverage information for every company. If your comparisons have unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Having just a slight variation in coverages can mean a large discrepancy in price. Keep in mind that comparing a large number of companies will increase your chances of finding the best offered rates.

More discounts equal less premium

Companies that sell car insurance don’t list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

Life Insurance – Some companies give lower rates if you buy life insurance.
Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Town and Country coverage than drivers with accident claims.
Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Town and Country coverage with certain companies.
Fewer Miles Equal More Savings – Keeping the miles down on your Chrysler can earn better rates on cars that stay parked.
Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.

It’s important to note that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

Double check with each insurance company how you can save money. Some discounts may not apply everywhere.

It’s not one size fits all

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining if you might need an agent’s assistance.

Is my babysitter covered when using my vehicle?
Do I have coverage for damage caused while driving under the influence?
Does my insurance cover my expensive audio equipment?
What if I owe more than I can insure my car for?
Should I file a claim if it’s only slightly more than my deductible?
Can I afford to buy a different vehicle if my 1998 Chrysler Town and Country is totaled?
Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, rock chips in glass, vandalism, damage from flooding and fire damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

Liability insurance can cover damage or injury you incur to a person or their property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like bail bonds, structural damage, legal defense fees, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Town and Country resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for dental work, nursing services, surgery, X-ray expenses and hospital visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1998 Chrysler Town and Country.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.