1991 Chrysler Town and Country Insurance Rates – 9 Tricks for Cheapest Quotes

Are you burned out from being strong-armed to make your insurance payment? You’re in the same situation as many other consumers.

Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It’s a good idea to do price comparisons once or twice a year since prices are constantly changing. Even if you think you had the best deal on Town and Country insurance a year ago you will most likely find a better premium rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

If you have car insurance now, you will most likely be able to save some money using these methods. Buying car insurance is not rocket science. Although vehicle owners can benefit from knowing how big insurance companies price online insurance because it can help you find the best coverage.

Free auto insurance quotes

The majority of larger companies make it easy to get coverage price quotes direct online. This process is quite easy as you simply type in the amount of coverage you want into the quote form. When complete, the quote system automatically retrieves credit information and your driving record and returns pricing information. Online quotes simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s also necessary to do this if you want to get lower prices.

The easiest way to lower your rates requires only one form that gets price quotes from multiple companies. It saves time, eliminates repetitive work, and makes rate comparisons much more efficient. As soon as the form is sent, your coverage is rated and you can choose any of the resulting price quotes. If you find a better price you simply finish the application and purchase the new policy. It just takes a couple of minutes and can result in significant savings.

To save time and find out how much you’re overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you type in your coverages as close as possible to your current policy. Using the same limits helps guarantee you will get rate comparison quotes for the exact same coverage.

Drivers who switch save $450 a year? Really?

Allstate, GEICO and Progressive consistently run ads on TV and radio. They all seem to make the promise about how much you will save just by switching your insurance coverage policy to them. Is it even possible that every company can offer drivers better rates? This is the trick they use.

Insurance companies look for specific characteristics for the right customer they prefer to insure. A good example of a profitable insured might have to be a mature driver, has no prior claims, and does not commute to work. Any new insured that hits that “sweet spot” receive the lowest rate quotes and therefore will pay quite a bit less when switching companies.

People who fall short of this stringent profile will see a more expensive rate and this results in the driver buying from a lower-cost company. The ads state “drivers that switch” not “all people who quote” save money. That is how insurance companies can advertise the way they do. Because of the profiling, you really need to compare as many free auto insurance quotes as you can. Because you cannot predict which company will have better prices than you’re paying now.

Car Insurance Discounts

Not too many consumers would say car insurance is affordable, but you might find some hidden discounts that you may not even be aware of. Most are applied when you get a quote, but a few need to be inquired about prior to receiving the credit. If you don’t get every credit available, you could be paying more than you need to.

  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • No Charge for an Accident – Not really a discount, but some insurance companies allow you one accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
  • Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% on Town and Country insurance with some car insurance companies.
  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates if you qualify.
  • New Car Discount – Insuring a vehicle that is new can save you some money since new model year vehicles are generally safer.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for lower prices on the low mileage vehicles.
  • Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
  • Telematics Discount – Insureds who allow driving data collection to monitor driving manner remotely like Allstate’s Drivewise might get better premium rates if their driving habits are good.

You should keep in mind that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Companies that may include these discounts may include but are not limited to:

Before buying, ask every insurance company which discounts they offer. Savings might not be offered in your area. To view car insurance companies with discount rates, click here.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • Will my insurance pay for OEM parts?
  • Are rock chip repairs covered?
  • What is medical payments coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Who is covered when they drive my 1991 Chrysler Town and Country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Auto collision coverage

This coverage covers damage to your Town and Country from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1991 Chrysler Town and Country.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like doctor visits, dental work, EMT expenses, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, fire damage, a tree branch falling on your vehicle and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like medical expenses, funeral expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Summing up your car insurance search

We’ve covered many tips how you can shop for 1991 Chrysler Town and Country insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the best rates are with the least-expected company. They may only write in your state and offer lower auto insurance rates than their larger competitors like GEICO and State Farm.

Some companies may not provide price quotes online and usually these smaller providers only sell coverage through local independent agents. Discount 1991 Chrysler Town and Country insurance can be found from both online companies and with local insurance agents, and you should compare rates from both to get a complete price analysis.

More information can be found on the following sites: