1992 Chrysler Town and Country Insurance Quotes – 10 Tips for Best Rates

Being forced to pay for expensive car insurance premiums can dwindle your savings and make it impossible to make ends meet.

Drivers have multiple insurers to buy insurance from, and though it is a good thing to have a choice, it can be more difficult to locate the cheapest rates.

Finding affordable insurance coverage coverage is easy if you know what you’re doing. Just about every driver who buys insurance coverage most likely will be able to reduce their rates. But drivers must know how companies price insurance differently and take advantage of how the system works.

Quote auto insurance online

Effectively comparing auto insurance prices can be a lot of work if you don’t utilize the most efficient way to do it. You could waste time talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

The majority of car insurance companies enroll in a system where prospective buyers complete one form, and each company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions to every company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to using this type of form is that you can’t choose which carriers you want to price. So if you want to choose specific providers for rate comparison, we have a page of auto insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, try to use exactly the same coverage information for each quote you get. If you are comparing higher or lower deductibles you will not be able to make a fair rate comparison. Even a minor difference in coverages could mean much higher rates. Just keep in mind that comparing more company’s prices provides better odds of finding a better price.

Cheap auto insurance quotes with discounts

Car insurance companies do not list all their discounts in an easy-to-find place, so the following list contains both the well known and also the lesser-known credits available to bring down your rates.

  • Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • Homeowners Savings – Owning a house may trigger a policy discount on auto insurance because of the fact that having a home demonstrates responsibility.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Driver’s Ed – Have your child complete a driver education course in high school.
  • Clubs and Organizations – Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Switch and Save Discount – A few auto insurance companies offer discounts for buying a new policy before your current coverage expires. This discount can save up to 10%.
  • E-sign Discounts – Some larger companies will give a small break for buying a policy and signing up on your computer.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Auto insurance companies that may offer quotes with these benefits may include but are not limited to:

When getting a coverage quote, ask each company which discounts you may be entitled to. Discounts might not apply in your area. To view insurance companies who offer discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • How much liability insurance is required?
  • Why am I required to buy high-risk coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • What is UM/UIM insurance?
  • Why am I required to buy liability insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • What is no-fault insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking 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.

What car insurance coverages do you need?

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses like dental work, X-ray expenses, chiropractic care, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, damage from flooding, theft and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Town and Country from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chrysler Town and Country.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, funeral expenses, legal defense fees and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Online plus local equals savings

Affordable 1992 Chrysler Town and Country insurance is available both online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not offer rate quotes online and these small, regional companies sell through local independent agents.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There are many occasions where someone sacrificed liability coverage limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

Additional detailed information can be found in the articles below: