2000 Chrysler Town and Country Insurance Quotes – 10 Discounts for Cheapest Rates

Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say you’re not the only one. Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company and get the best coverage at the cheapest price

If you are insured now or are shopping for new coverage, you can use these techniques to cut your premiums while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of how to compare prices online.

Compare Quotes for Auto Insurance

Most major insurance companies give coverage prices on the web. Getting online rates is fairly straightforward as you simply enter the coverages you want as detailed in the form. Once entered, the system orders your driving and credit reports and provides a quote based on these and other factors. This helps simplify price comparisons, but the work required to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible in order to get the lowest possible prices on auto insurance.

There is a better way!

The easiest way to compare rates uses one simple form that analyzes rates from many companies. The form is fast, reduces the work, and makes online shopping a little more enjoyable. As soon as you send your information, it gets priced and you can choose your choice of the price quotes you receive. If you find a better price you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here and submit your coverage information. If you have a policy now, it’s recommended you copy coverages and limits exactly as shown on your declarations page. This helps ensure you will have a fair comparison for similar coverage.

Don’t overlook these ten discounts

Companies offering auto insurance don’t always list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount available, you’re paying more than you need to.

• Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
• Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
• Homeowners Pay Less – Owning a house can save you money because of the fact that having a home is proof that your finances are in order.
• Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
• Military Discounts – Having a deployed family member could be rewarded with lower premiums.
• Accident Forgiveness – Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
• Auto/Home Discount – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
• Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
• Auto/Life Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.

Keep in mind that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of insurers offering insurance coverage discounts, follow this link.

Is my situation unique?

When choosing the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you may require specific advice.

• What is covered by UM/UIM coverage?
• Am I covered if my car is in a flood?
• Is my teenager covered with friends in the car?
• Is rental equipment covered for theft or damage?
• Am I covered if I hit my neighbor’s mailbox?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Collision coverages – This coverage pays for damage to your Town and Country resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, hitting a parking meter, colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chrysler Town and Country.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, doctor visits, surgery, hospital visits and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance – This protects you from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, pain and suffering, emergency aid, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, rock chips in glass, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.