2000 Chrysler LHS Car Insurance Quotes

Searching for better insurance coverage rates for your Chrysler LHS? Expensive insurance coverage can draw down your bank account and possibly require you to analyze your spending habits. Price shopping at each renewal can lower your rates and help to lower your monthly bill.

People have many insurance companies to choose from, and although it’s a good thing to be able to choose, so many choices can make it hard to compare rates and find the lowest cost insurance coverage.

You need to do price comparisons periodically because prices trend upward over time. Even if you got the best price on LHS insurance six months ago you may be paying too much now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Locating more affordable auto insurance coverage is easy if you know what you’re doing. Basically, every vehicle owner who carries auto insurance stands a good chance to be able to find lower rates. But vehicle owners benefit from understanding the methods companies use to price online insurance and use this information to your advantage.

Decisions you make can impact your insurance premiums

Many factors are part of the equation when pricing auto insurance. Some are obvious like your driving record, but others are less apparent like your continuous coverage or your commute time.Smart consumers have a good feel for some of the elements that are used to determine your policy premiums. When you understand what determines premiums, this enables informed choices that may reward you with big savings.

  • Liability is important – Liability coverage is the coverage that protects you if you are responsible for damages caused by your negligence. It provides legal defense coverage to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.
  • Younger drivers pay higher costs – Teen drivers have been known to be inattentive and easily distracted when behind the wheel and because of this, their insurance rates are much higher. Older insureds are more responsible, file fewer claims , and are generally more financially stable.
  • Coverage deductibles are a factor – Protection for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some coverage claims are a windshield shattered by a rock, damage from fire, and damage caused by flying debris. Your deductibles represent how much money the insured will be required to pay before your insurance pays a claim. The more you’re willing to pay, the lower your rates will be on LHS insurance.
  • Get better prices after the wedding – Getting married may cut your premiums on your insurance bill. It means you’re more mature and responsible and it’s proven that being married results in fewer claims.
  • Better insurance rates with anti-theft devices – Owning a car with an alarm system can get you a discount on your insurance. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • The higher your credit rating the lower your costs – A driver’s credit rating can be a huge factor in determining what you pay. So if your credit score is low, you could be paying less to insure your 2000 Chrysler LHS by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims than drivers with lower ratings.
  • Reduce prices by driving vehicles with better crash test results – Safe vehicles cost less to insure. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums. If your Chrysler earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Do you qualify for discounts?

Some companies don’t always list every discount very well, so the following list contains some of the best known and also the lesser-known discounts that may be available. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

  • First Accident Forgiveness – Not really a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage if your claims history is clear prior to the accident.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings up to 30%.
  • Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease on LHS insurance with certain companies.
  • Club Memberships – Participating in certain professional organizations could trigger savings when getting a auto insurance quote.
  • Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% on LHS insurance compared to rates paid by drivers with frequent claims.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a slight reduction on a auto insurance quote on LHS insurance.
  • Military Deployment Discount – Being on active duty in the military could mean lower prices.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.

One thing to note about discounts is that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.

A few popular companies and their offered discounts are:

  • Mercury Insurance discounts include anti-theft, annual mileage, good student, ease of repair, and low natural disaster claims.
  • Farmers Insurance may have discounts that include teen driver, multi-car, pay in full, business and professional, electronic funds transfer, mature driver, and bundle discounts.
  • Farm Bureau has discounts for youthful driver, driver training, safe driver, good student, 55 and retired, and renewal discount.
  • State Farm offers discounts for defensive driving training, safe vehicle, multiple autos, anti-theft, and good driver.
  • Allstate offers discounts including auto/life discount, premier discount, anti-lock brakes, utility vehicle, 55 and retired, and FullPay discount.
  • GEICO offers premium reductions for federal employee, emergency military deployment, membership and employees, multi-vehicle, and daytime running lights.

If you are trying to find inexpensive auto insurance quotes, ask every insurance company the best way to save money. All car insurance discounts might not be available to policyholders in your area. To view insurance companies with the best discounts, click this link.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing adequate coverage, there is no best way to insure your cars. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if your situation may require specific advice.

  • Do I benefit by insuring my home with the same company?
  • Do I need added coverage for expensive stereo equipment?
  • Should I buy full coverage?
  • Am I covered if I crash into my own garage door?
  • Can I rent a car in Mexico?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Liability coverages – Liability insurance provides protection from damage or injury you incur to people or other property. This coverage protects you from legal claims by others, and doesn’t 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. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like loss of income, court costs, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and rock chips in glass. The highest amount your insurance company will pay 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.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Chrysler LHS.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This coverage will pay to fix damage to your LHS resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage reimburse you for bills like doctor visits, prosthetic devices, funeral costs, hospital visits and nursing services. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

More affordable auto insurance is attainable on the web as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not offer the ability to get a quote online and these smaller providers sell through independent insurance agents.

Throughout this article, we presented many ways to get a better price on 2000 Chrysler LHS insurance. The key concept to understand is the more you quote auto insurance, the better your comparison will be. Drivers may discover the lowest car insurance rates are with a small mutual company. These companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Much more information about auto insurance is located below: