Lower Your 2001 Chrysler Town and Country Insurance Cost

Looking for better insurance rates? Shoppers have options when shopping for affordable Chrysler Town and Country insurance. They can either spend hours struggling with agents to compare prices or leverage the internet to find the lowest rates. There is a better way to shop for insurance and we’ll show you the best way to get price quotes for your Chrysler and get the lowest price from local insurance agents and online providers.

You need to take a look at other company’s rates occasionally since rates change quite often. Even if you think you had the lowest price on Town and Country coverage a few years ago other companies may now be cheaper. Starting now, block out anything you think you know about insurance because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

If you have a current insurance policy or are looking for a new policy, you can use these tips to reduce the price you pay and still get good coverage. The purpose of this article is to help you learn the most effective way to quote insurance and some money-saving tips. Consumers just need to understand the most efficient way to compare prices online.

Save on 2001 Chrysler Town and Country insurance

Companies don’t list all available discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you are throwing money away.

  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Town and Country coverage with a few car insurance companies.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on Town and Country coverage.
  • E-sign – A few companies may give you up to $50 simply for signing on their website.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy could earn a price break for each car.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

A partial list of companies that may offer these benefits include:

Check with all companies you are considering which discounts they offer. Savings may not be available everywhere.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover if you might need an agent’s assistance.

  • Does liability extend to a camper or trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much liability insurance is required?
  • Where can I get insurance after a DUI in my state?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my state a no-fault state?
  • What is PIP insurance?
  • What can I do if my company denied a claim?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Beware of misleading insurance ads

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. They all make the same claim that you can save if you move your coverage to them.

How can each company make the same claim? This is how they do it.

All the different companies can use profiling for the type of customer that makes them money. An example of a desirable insured could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Consumers who don’t meet these standards will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save money. That is how companies can claim big savings. Because of the profiling, drivers should get as many comparisons as possible. Because you never know which company will fit your personal profile best.

Information about specific coverages

Knowing the specifics of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Chrysler Town and Country.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage

Med pay and PIP coverage kick in for bills for things like hospital visits, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This covers damage to your Town and Country resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for liability

This will cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, bail bonds and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage on a shoestring budget

Cheaper 2001 Chrysler Town and Country insurance is available from both online companies and with local insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

In this article, we covered a lot of ways to reduce insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the most savings is with the least-expected company.

Drivers switch companies for many reasons like not issuing a premium refund, poor customer service, questionable increases in premium and even unfair underwriting practices. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.

More information