Save on 1997 Chrysler LHS Insurance Quotes

Are you regretting the purchase of overpriced auto insurance? You’re preaching to the choir because you’re not alone. Companies like State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with catchy ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

You should make it a habit to compare prices quite often since insurance rates change regularly. Despite the fact that you may have had the lowest rate on LHS coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to find the best coverage while lowering your premiums.

If you are insured now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the most effective way to buy car insurance online.

Don’t overlook these insurance discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Many discounts should be triggered when you complete an application, but once in a while a discount must be asked about prior to getting the savings.

  • Cautious Drivers – Insureds without accidents could pay up to 40% less on LHS coverage compared to accident prone drivers.
  • Low Mileage – Low annual miles could earn better rates on cars that stay parked.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with one company you may earn up to 20% and get you the cheapest insurance.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared with policyholders that have many claims.
  • Service Members Pay Less – Having a family member in the military could mean lower premium rates.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • Organization Discounts – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next insurance statement.
  • Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the medical payments premium.
  • Theft Deterent – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.

Keep in mind that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies and some of their more popular discounts are detailed below.

  • State Farm has discounts for Steer Clear safe driver discount, good driver, multiple autos, defensive driving training, multiple policy, safe vehicle, and student away at school.
  • Farmers Insurance discounts include alternative fuel, business and professional, good student, teen driver, homeowner, switch companies, and electronic funds transfer.
  • Progressive offers discounts including homeowner, multi-vehicle, online quote discount, online signing, and multi-policy.
  • GEICO may offer discounts for driver training, membership and employees, five-year accident-free, multi-policy, good student, and anti-theft.
  • Auto-Owners Insurance has savings for anti-theft, group or association, safe vehicle, teen driver, and multi-policy.
  • The Hartford offers premium reductions for air bag, good student, driver training, vehicle fuel type, bundle, and anti-theft.
  • Farm Bureau may include discounts for multi-vehicle, renewal discount, 55 and retired, safe driver, and youthful driver.
  • USAA may have discounts that include new vehicle, military installation, good student, vehicle storage, and multi-policy.

It’s a good idea to ask every prospective company which credits you are entitled to. Some credits may not be available in your area. If you would like to see a list of providers that offer the discounts shown above, click here to view.

Affordable insurance rate quotes online

Most major insurance companies like State Farm and Allstate provide insurance quotes direct online. This process can be done by anyone as all you need to do is type in the amount of coverage you want as detailed in the form. Upon sending the form, their system requests reports for credit and driving violations and gives you a price quote. This makes it easy to compare insurance prices but the process of having to visit several different sites and type in the same data is a waste of time. Unfortunately, it is important to perform this step if you are searching for better insurance pricing.

An easier way to lower your rates uses one simple form that obtains quotes from several companies at one time. It saves time, requires less work, and makes online shopping much simpler. After sending the form, your coverage is rated and you can select your choice of the returned quotes. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To find out how much you can save on insurance, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you copy the limits and deductibles exactly as shown on your declarations page. This ensures you will be getting a rate comparison for similar insurance coverage.

Lower your insurance rates

Lots of factors are used in the calculation when premium rates are determined. A few of the factors are predictable such as traffic violations, but some are less obvious like your vehicle usage or your financial responsibility.When buying car insurance it’s important to understand the different types of things that help determine your car insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that may reward you with better car insurance rates.

  • How your age affects prices – Mature drivers are more responsible, tend to file fewer claims and are safer drivers.Youthful drivers are statistically shown to be easily distracted behind the wheel therefore car insurance rates are much higher.
  • Low physical damage deductibles can be expensive – Deductibles for physical damage are the amount of money you are willing to pay if a covered claim is submitted. Physical damage coverage, aka comp and collision, insures against damage to your car. Some coverage claims are collision with another vehicle, animal collisions, and having a roll-over accident. The higher the amount you have to pay, the lower your rates will be on LHS coverage.
  • Excellent credit scores equal low prices – Having a bad credit score is a big factor in your rate calculation. People with very good credit scores tend to be less risk to insure than those with worse credit. If your credit history is low, you could be paying less to insure your 1997 Chrysler LHS by improving your rating.
  • Prices may be higher where you live – Living in smaller towns and rural areas of the country can save you money when it comes to car insurance. People in densly populated areas have to deal with more traffic problems and longer commutes to work. Fewer drivers means fewer accidents and a lower car theft rate.
  • Little extras can really add up – There are a lot of additional coverages that you can buy on your LHS policy. Add-on coverages like personal injury protection, death and dismemberment, and Farm Bureau memberships may be costing you every month. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.

When to get professional advice

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • What is the ISO rating for a 1997 Chrysler LHS?
  • At what point should I drop full coverage?
  • Am I covered if my car is in a flood?
  • What are the financial responsibility laws in my state?
  • Do I really need UM/UIM coverage?
  • Do I need replacement cost coverage?
  • Is my nanny covered when driving my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage for damage caused while driving under the influence?
  • What if I total my 1997 Chrysler LHS and owe more than it’s worth?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance advertising tricks

Consumers get pounded daily by advertisements for insurance savings by State Farm and Allstate. They all make the point of big savings if you change your policy.

How does each company lower your car insurance rates?

Many companies quote their best rates for the type of driver that will most likely be profitable. For example, a desirable risk might be described as between 25 and 40, has never had a claim, and drives a safe vehicle. Any person that meets those criteria may get the lowest prices and is almost guaranteed to save if they switch.

Consumers who are not a match for the requirements will probably be forced to pay higher premiums with the end result being the customer not purchasing. The trick companies use is to say “customers that switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can confidently make claims that they all have the best car insurance rates. This really emphasizes why you really need to compare price quotes frequently. Because you never know with any certainty which company will have the best rates.

What insurance coverages do you need?

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – This pays for damage to your LHS from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, hitting a deer, rock chips in glass and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like prosthetic devices, surgery, chiropractic care, dental work and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability insurance – Liability coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things like structural damage, pain and suffering, legal defense fees and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Be a money saver!

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the best possible price.

We’ve covered many tips how you can lower your 1997 Chrysler LHS insurance car insurance rates. The key thing to remember is the more you quote insurance, the better likelihood of getting the cheapest insurance. Drivers may discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Additional insurance coverage information can be found below: