1990 Chrysler New Yorker Car Insurance Cost – 10 Tricks for Cheapest Prices

Looking for cheaper insurance rates for your Chrysler New Yorker? I can’t think of anyone who enjoys paying for insurance, particularly when they are paying too much. Numerous car insurance companies battle for your insurance dollar, so it can be very hard to choose a provider to find the best rate

It’s smart to get comparison quotes at least once a year because prices fluctuate regularly. Even if you got the best rates on New Yorker coverage last year there is a good chance you can find better rate quotes now. You can search a lot of insurance online but in just a couple of minutes you can learn some guaranteed methods to lower your insurance rates.

Drivers save money with these ten premium-slashing discounts

Auto insurance is not an enjoyable expense, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but a few need to be specially asked for prior to getting the savings. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on New Yorker coverage than their less cautious counterparts.
  • Telematics Devices – Drivers who agree to allow data collection to scrutinize where and when they drive by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Policy Bundle Discount – When you have multiple policies with one company you may earn over 10 percent off each policy depending on the company.
  • Buy New and Save – Putting auto insurance coverage on a new car can get you a discount due to better safety requirements for new model year vehicles.
  • Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease on New Yorker coverage but check with your company.
  • Passenger Safety Discount – Cars that have air bags or automatic seat belts can get savings as much as 30%.
  • Accident Free – Insureds who avoid accidents and claims get the best auto insurance rates in comparison with bad drivers.
  • Discounts for Multiple Vehicles – Buying a policy with multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The best auto insurance companies and the discounts they provide include:

  • State Farm may have discounts that include defensive driving training, safe vehicle, anti-theft, student away at school, Steer Clear safe driver discount, and driver’s education.
  • Liberty Mutual may offer discounts for good student, hybrid vehicle, newly retired, teen driver discount, and new graduate.
  • American Family includes discounts for good student, defensive driver, Steer into Savings, good driver, and bundled insurance.
  • Progressive policyholders can earn discounts including online signing, multi-policy, multi-vehicle, good student, homeowner, online quote discount, and continuous coverage.
  • Farmers Insurance has savings for switch companies, distant student, teen driver, multi-car, pay in full, good student, and business and professional.
  • Auto-Owners Insurance may include discounts for group or association, air bags, good student, teen driver, and anti-lock brakes.
  • SAFECO discounts include teen safe driver, bundle discounts, teen safety rewards, anti-theft, and accident prevention training.

Double check with each company or agent how many discounts you can get. All car insurance discounts might not be offered everywhere. To see companies with the best discounts, follow this link.

Shop auto insurance online

Most companies such as GEICO, State Farm and Progressive make it easy to get price estimates from their websites. Getting prices online is possible for anyone because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. After you complete the form, their system obtains your driving record and credit report and gives you a price quote. This makes it easy to compare insurance prices but the process of having to visit multiple sites and type in the same information is a waste of time. But it’s also necessary to get many rate quotes if you want to find the lowest price.

The easy way to compare rates

The easiest way to lower your auto insurance bill uses just one form to obtain quotes from multiple companies. The form is fast, requires less work, and makes online price comparison much more enjoyable. As soon as the form is sent, it gets priced and you can select your choice of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

To compare rates now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you enter coverages and limits identical to your current policy. This helps ensure you will be getting rate comparison quotes for similar coverage.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Are my friends covered when driving my car?
  • What are the financial responsibility laws in my state?
  • Do I need replacement cost coverage?
  • Is my nanny covered when driving my vehicle?
  • Why do I need rental car insurance?
  • How can I get high-risk coverage after a DUI?
  • Should I put collision coverage on all my vehicles?
  • If I drive on a suspended license am I covered?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a Chrysler New Yorker

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, rock chips in glass, hitting a deer and vandalism. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, surgery and pain medications. They can be used to cover expenses not covered by your health insurance policy 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. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chrysler New Yorker.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Liability

This coverage can cover damage or injury you incur to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, legal defense fees, emergency aid, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Auto collision coverage

Collision insurance covers damage to your New Yorker caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Save your cold hard cash

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. The goal is to buy enough coverage at the best price, not the least amount of coverage.

Cheaper auto insurance is attainable on the web in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not offer online quoting and these smaller companies work with independent agencies.

More detailed auto insurance information is available in the articles below: