Cheap 1997 Chrysler Town and Country Insurance Rates

Trying to find better auto insurance rates for your Chrysler Town and Country? Scraping up a payment for high-priced Chrysler Town and Country insurance can bleed your funds and make it impossible to make ends meet. Doing a price comparison can be a smart way to lower your monthly bill.

There are many insurers to choose from, and although it’s a good thing to have a choice, having more insurance companies makes it harder to compare rates.

It is always a good idea to quote other rates at least once a year because prices fluctuate regularly. Just because you had the lowest price on Town and Country coverage a year ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn the quickest way to find better coverage at a better price.

Locating the best coverage is simple if you know the tricks. Essentially every driver who buys car insurance will be able to lower their premiums. But car owners need to learn the way companies sell online and take advantage of how the system works.

Do you qualify for discounts?

Buying auto insurance is not cheap, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but once in a while a discount must be specially asked for prior to receiving the credit.

Renewal Discounts – Some auto insurance companies provide a discount for renewing your policy prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
One Accident Forgiven – but a handful of insurance companies permit an accident without the usual rate increase if you have no claims prior to being involved in the accident.
Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
Telematics Data Discounts – Drivers that enable companies to analyze driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
Discount for Passive Restraints – Vehicles equipped with air bags could see savings of more than 20%.
Theft Deterent – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.

It’s important to understand that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works.

Popular auto insurance companies and their possible discounts include:

Progressive policyholders can earn discounts including homeowner, continuous coverage, multi-policy, online quote discount, and good student.
The Hartford has savings for good student, anti-theft, bundle, air bag, vehicle fuel type, driver training, and defensive driver.
Mercury Insurance discounts include location of vehicle, professional/association, multi-car, multi-policy, and annual mileage.
GEICO may offer discounts for driver training, military active duty, anti-theft, five-year accident-free, and membership and employees.
AAA offers discounts for multi-policy, good driver, multi-car, AAA membership discount, and pay-in-full.
State Farm offers discounts including Drive Safe & Save, multiple policy, good student, defensive driving training, driver’s education, multiple autos, and safe vehicle.

It’s a good idea to ask each company how you can save money. Depending on the company, some discounts might not be offered in your area. To see a list of insurance companies with discount auto insurance rates, click this link.

Cheapest auto insurance price quotes

Effectively comparing auto insurance prices can take hours if you don’t understand the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use the web to quickly compare rates.

All the larger companies enroll in a system where prospective buyers only type in their quote data once, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests to each individual auto insurance company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to using this type of system is you can’t choose the insurers to get pricing from. If you wish to select from a list of companies for rate comparison, we have assembled a list of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using the same coverages and limits for each quote you get. If you are comparing different coverage information it will be very difficult to determine the lowest rate for your Chrysler Town and Country. Just a small difference in insurance coverages or limits could mean much higher rates. And when quoting auto insurance, remember that making a lot of price comparisons helps locate more affordable insurance. Some smaller insurers to not give rate quotes online, so it’s important to compare prices from those companies as well.

Start a Quote Now

Don’t assume everyone needs the same insurance coverage

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining if your situation may require specific advice.

Should I get collision insurance on every vehicle?
Is my state a no-fault state?
Who is covered by my policy?
How can I force my company to pay a claim?
Am I covered when pulling a rental trailer?
Is my teen driver covered when they drive my company car?
What is the rate difference between pleasure use and commuting?
Am I covered if I hit my neighbor’s mailbox?
Do I need replacement cost coverage?
How much liability insurance is required?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, ambulance fees, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, medical services, structural damage, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chrysler Town and Country.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, a tree branch falling on your vehicle, a broken windshield, falling objects and hitting a bird. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

This pays for damage to your Town and Country caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

And the best car insurance company is…

While you’re price shopping online, never buy less coverage just to save a little money. There are too many instances where someone dropped liability coverage limits only to regret at claim time that they should have had better coverage. The goal is to get the best coverage possible at the lowest possible cost.

Low-cost 1997 Chrysler Town and Country insurance is available on the web in addition to local insurance agencies, so you need to shop auto insurance with both so you have a total pricing picture. Some companies may not have online price quotes and usually these regional carriers only sell coverage through local independent agencies.

For more information, feel free to visit the following helpful articles: