2001 Chrysler Town and Country Insurance Rates – 7 Tips for Cheaper Quotes

Searching for cheaper car insurance rates for your Chrysler Town and Country? No sane person gets a kick out of paying for car insurance, especially knowing the price is too high. Drivers have so many insurance companies to purchase coverage from, and although it’s a good thing to have a choice, having more car insurance companies makes it harder to find the lowest cost provider.

It’s smart to compare prices periodically since insurance prices fluctuate regularly. Just because you had the best rates for Town and Country coverage on your last policy a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the things you must know in order to find lower rates on car insurance.

Pricing the best insurance coverage is simple if you know the tricks. If you have a current insurance policy or are just looking to switch companies, you can use these tips to find the best rates while maintaining coverages. Vehicle owners just need to learn the proper methods to compare company rates on the web.

How to compare car insurance quotes

Reducing your 2001 Chrysler Town and Country insurance rates can be surprisingly simple. You just need to spend a few minutes comparing rate quotes to see which company has cheap insurance quotes. This is very easy and can be done by following the guidelines below.

  • The most efficient way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate quotes for every prospective company. One form gets you coverage quotes direct from many companies.
  • A different way to shop for car insurance online is to manually visit the website for every company you want to comare to complete their respective quote request forms. For example, we’ll assume you want to see prices from GEICO, Progressive and Liberty Mutual. You would be required to visit each site to input your insurance information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but do your best to use the same quote information on every quote you get. If you have different data it’s not possible to decipher which rate is best.

Get lower rates with these seven auto insurance discounts

Not many people think insurance is cheap, but you might find some hidden discounts to help offset the cost. Some trigger automatically when you quote, but some must be requested specifically in order for you to get them.

  • Accident Forgiveness – Not necessarily a discount, but some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a specific time period.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
  • New Vehicle Savings – Buying a new car model may earn a small discount because new model year vehicles keep occupants safer.
  • No Accidents – Drivers with accident-free driving histories get the best auto insurance rates when compared with insureds who have frequent claims or accidents.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower prices.
  • Drivers Education – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chrysler could qualify for better premium rates on cars that stay parked.

As a sidenote, many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

A list of auto insurance companies and a summarized list of policyholder discounts can be read below.

  • State Farm may offer discounts for multiple autos, student away at school, good student, Drive Safe & Save, and defensive driving training.
  • GEICO has discounts for anti-theft, emergency military deployment, daytime running lights, seat belt use, anti-lock brakes, good student, and multi-vehicle.
  • Progressive offers premium reductions for good student, multi-policy, online quote discount, multi-vehicle, homeowner, and continuous coverage.
  • 21st Century may have discounts that include good student, teen driver, student driver, early bird, 55 and older, and homeowners.
  • American Family may include discounts for mySafetyValet, accident-free, TimeAway discount, multi-vehicle, air bags, and good driver.
  • The Hartford policyholders can earn discounts including driver training, air bag, vehicle fuel type, anti-theft, and good student.
  • AAA offers discounts including education and occupation, good driver, anti-theft, pay-in-full, and AAA membership discount.

Before purchasing a policy, check with each insurance company which discounts they offer. Some credits may not be offered in every state.

Auto insurance can get complicated

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 2001 Chrysler Town and Country is totaled?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is PIP insurance?
  • Does my insurance cover my expensive audio equipment?
  • Should I sign the liability waiver when renting a car?
  • Why do I only qualify for high-risk insurance?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance coverages and their meanings

Learning about specific coverages of a car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

Collision coverage covers damage to your Town and Country resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, vandalism and hitting a deer. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, doctor visits, ambulance fees and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on people or other property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, medical services, emergency aid, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Shop around and save

In this article, we covered a lot of information how to save on 2001 Chrysler Town and Country insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheaper insurance. Consumers may even find the lowest rates come from some of the smallest insurance companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Some insurance providers may not provide the ability to get a quote online and usually these regional carriers prefer to sell through local independent agencies. Budget-conscious 2001 Chrysler Town and Country insurance is available online as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Much more information about insurance can be found at the links below