Compare 2001 Chrysler Voyager Car Insurance Quotes

Looking for lower insurance rates? Shoppers have lots of choices when shopping for low-cost Chrysler Voyager insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to buy insurance and we’ll show you the best way to compare rates for a Chrysler and locate the lowest price.

Lower-cost car insurance quotes with discounts

Car insurance is not cheap, but you can get discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be specifically requested prior to receiving the credit. If you aren’t receiving every discount available, you could be getting lower rates.

  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Low annual miles could qualify for lower rates on the low mileage vehicles.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount on your next car insurance statement.
  • Good Student Discount – Maintaining excellent grades may save you up to 25%. The good student discount can last up until you turn 25.
  • Telematics Data – Drivers who elect to allow their company to spy on their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
  • Discounts for Good Drivers – Accident-free drivers may receive a discount up to 45% on Voyager coverage compared to accident prone drivers.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A list of companies and a partial list of their discounts can be found below.

  • State Farm offers discounts including multiple policy, accident-free, safe vehicle, multiple autos, good driver, passive restraint, and student away at school.
  • GEICO includes discounts for anti-lock brakes, federal employee, seat belt use, emergency military deployment, and daytime running lights.
  • Liberty Mutual offers premium reductions for new vehicle discount, hybrid vehicle, safety features, new move discount, newly married, and good student.
  • The Hartford has savings for anti-theft, vehicle fuel type, air bag, defensive driver, bundle, good student, and driver training.
  • MetLife has discounts for claim-free, good driver, good student, defensive driver, multi-policy, and accident-free.
  • Progressive offers discounts for online quote discount, continuous coverage, multi-policy, homeowner, multi-vehicle, online signing, and good student.

Before purchasing a policy, check with every company to give you their best rates. Some discounts listed above may not be offered in your area.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • What if I total my 2001 Chrysler Voyager and owe more than it’s worth?
  • How do I insure my teen driver?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • How much liability coverage do I need in my state?
  • When would I need rental car insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Tricks in car insurance advertising

Consumers can’t get away from all the ads that claim the lowest rates by companies like Progressive, GEICO, Allstate and State Farm. All the ads convey the message about saving some big amount if you switch your car insurance policy to them.

How does each company make the same claim? Here is the trick they use.

All the different companies have specific criteria for a prospective insured that makes them money. An example of this type of insured should be a married female, has never had a claim, and has a high credit rating. Any driver who fits those characteristics gets the lowest rates as well as save a lot if they switch.

Consumers who do not fit these stringent criteria will get higher rates which results in business going elsewhere. The wording the ads use say “people who switch” not “everyone who quotes” save that much money. That’s why companies can make those claims.

Different companies use different criteria so you really should compare as many free car insurance quotes as you can. It is impossible to guess with any certainty which company will have the lowest rates.

Auto insurance coverage basics

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like surgery, pain medications and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things such as repair costs for stationary objects, legal defense fees, attorney fees and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Chrysler Voyager.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Voyager resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Do the work, save more money

When searching for cheaper car insurance quotes, make sure you don’t reduce needed coverages to save money. There have been many cases where an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest cost and still be able to protect your assets.

Consumers leave their current company for a variety of reasons including not issuing a premium refund, poor customer service, denial of a claim or even policy non-renewal. It doesn’t matter why you want to switch finding the right car insurance provider can be pretty painless.

In this article, we presented some good ideas how you can compare 2001 Chrysler Voyager insurance premium rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the best premium rates are with a company that doesn’t do a lot of advertising.

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