1998 Chrysler Cirrus Car Insurance Rates

Nobody I know likes paying for insurance, especially when they could find lower prices if they just compared rates.

Companies like GEICO, Farmers Insurance and State Farm constantly bombard you with ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

The best way to compare insurance rates in your area is to take advantage of the fact most of the larger companies participate in a system to give free rates quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details like any included safety features, distance driven, deductibles desired, and your general credit rating. That information is instantly sent to insurance companies and they provide comparison quotes with very little delay.

When in doubt talk to an agent

When buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • When should I buy a commercial auto policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?
  • Does my insurance cover a custom paint job?
  • Why is insurance for a teen driver so high?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Understanding the coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees and attorney fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

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

Comprehensive coverage pays for claims like damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, nursing services and dental work. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chrysler Cirrus.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Collision – Collision coverage will pay to fix damage to your Cirrus resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.