1992 Chrysler Imperial Insurance Cost – 6 Tips to Save

When trying to find cheaper insurance, do you get overwhelmed by the wide range of insurance sources available to you? Lot’s of other drivers are too. Vehicle owners have so many sources available that it can easily become hard work to find lower insurance rates.

Car insurance quotes and discounts

Auto insurance companies don’t always list all disounts very clearly, so the following is a list of some of the more common in addition to some of the lesser obvious credits that may apply to you.

  • Club Memberships – Affiliation with a professional or civic organization could qualify you for a break on your bill.
  • Senior Citizens – Mature drivers may be able to get better car insurance rates for Imperial insurance.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance with one insurance company you could save at least 10 to 15 percent or more.
  • Pay Early and Save – By making one initial payment instead of paying each month you can actually save on your bill.
  • Responsible Drivers – Insureds without accidents may save up to 50% more for Imperial insurance compared to accident prone drivers.

Please keep in mind that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

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

  • State Farm may offer discounts for anti-theft, student away at school, Steer Clear safe driver discount, multiple autos, safe vehicle, defensive driving training, and multiple policy.
  • GEICO may have discounts that include military active duty, good student, membership and employees, federal employee, anti-lock brakes, daytime running lights, and driver training.
  • Progressive offers discounts for online quote discount, online signing, homeowner, good student, multi-vehicle, continuous coverage, and multi-policy.
  • 21st Century policyholders can earn discounts including homeowners, student driver, anti-lock brakes, automatic seat belts, teen driver, and driver training.
  • American Family includes discounts for Steer into Savings, good driver, accident-free, early bird, and air bags.
  • The Hartford has savings for defensive driver, anti-theft, vehicle fuel type, driver training, air bag, and bundle.
  • AAA has discounts for multi-policy, multi-car, anti-theft, good driver, good student, pay-in-full, and education and occupation.

Before you buy a policy, ask each company to give you their best rates. All car insurance discounts might not apply in every state. To locate car insurance companies offering car insurance discounts, follow this link.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine whether you might need professional guidance.

  • Why do I need rental car insurance?
  • How can I get my company to pay me more for my totalled car?
  • Can I get a multi-policy discount?
  • What is roadside assistance coverage?
  • What is no-fault insurance?
  • Is my custom paint covered by insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Who is covered when they drive my 1992 Chrysler Imperial?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate, GEICO and Progressive seem to constantly run ads in print and on television. They all seem to make the point about saving some big amount if you change your policy. How does each company sell you cheaper insurance coverage? It’s all in the words they use.

Insurance providers can use profiling for the type of customer that earns them the highest profit. One example of a desirable risk may need to be a married male, owns a home, and chooses high deductibles. Any customer who matches that profile will probably get the lowest prices and will probably save a lot if they switch.

Consumers who don’t meet the requirements may receive higher rates and the prospect going elsewhere. The ad wording is “customers that switch” not “everyone who quotes” save that much. That’s why insurance companies can confidently lure you into getting a quote.

This emphasizes why you really should compare quotes as often as possible. Because without a comparison, you cannot know which insurance companies will fit your personal profile best.

Car insurance policy coverages for a Chrysler Imperial

Understanding the coverages of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, funeral expenses, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chrysler Imperial.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, a broken windshield, hitting a bird and damage from flooding. 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.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for dental work, rehabilitation expenses, doctor visits and EMT expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

As you quote car insurance, you should never reduce needed coverages to save money. There have been many cases where an insured cut collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

You just read many ways to save on 1992 Chrysler Imperial insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

Insureds change insurance companies for any number of reasons including delays in paying claims, policy non-renewal, policy cancellation or high rates after DUI convictions. Whatever your reason, finding a new company can be pretty painless.

More information can be read at the links below