Lower Your 2004 Chrysler Town and Country Insurance Rates

Searching for cheaper insurance coverage rates for your Chrysler Town and Country? Locating cheaper insurance for a Chrysler Town and Country could be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the proper way to quote coverages for a Chrysler and get the lowest possible price either online or from local insurance agents.

How to lower your auto insurance cost

Many insurance companies give prices from their websites. Doing online quotes doesn’t take much effort as you simply enter the coverage amounts you desire into a form. When the form is submitted, the company’s rating system collects information on your driving record and credit history and gives you a price quote based on the information you submitted.

Online price quotes makes it easy to compare insurance prices but the time required to go to multiple sites and fill out multiple forms is a big time waster. But it is imperative to perform this step if you want to find the best price on auto insurance.

Compare rates the easy way

A more efficient way to locate the lowest prices requires only one form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much easier to do. After sending your information, it is quoted with multiple companies and you can pick any one of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and may save quite a bit of money.

To quickly find out what other companies charge, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you copy the limits and deductibles as close as possible to your current policy. Doing this assures you will get a price comparison based on the exact same insurance coverage.

Insurance coverage policy discounts you can’t miss

Companies that sell car insurance don’t always advertise every policy discount very well, so the list below details a few of the more well known and also the more inconspicuous discounts that may be available. If you don’t get every credit you deserve, you could be saving more on your insurance coverage.

Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
New Car Discount – Buying a new car model can get you a discount since new model year vehicles have better safety ratings.
Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
Auto/Life Discount – Select companies reward you with a discounted rate on car insurance if you buy auto and life insurance together.
Telematics Discount – Policyholders that allow data collection to scrutinize driving manner by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they are good drivers.
Drive Safe and Save – Safe drivers may receive a discount up to 45% on Town and Country insurance than drivers with accident claims.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the premium reductions they offer can be read below.

GEICO offers discounts including defensive driver, daytime running lights, five-year accident-free, anti-lock brakes, anti-theft, military active duty, and membership and employees.
Travelers offers premium reductions for hybrid/electric vehicle, multi-policy, payment discounts, save driver, driver training, and home ownership.
Farm Bureau has discounts for good student, multi-vehicle, driver training, renewal discount, multi-policy, safe driver, and 55 and retired.
Liberty Mutual may offer discounts for preferred payment discount, newly retired, multi-car, hybrid vehicle, and multi-policy.
American Family offers discounts for good driver, early bird, air bags, Steer into Savings, bundled insurance, and mySafetyValet.
Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online quote discount, multi-policy, good student, online signing, and homeowner.

Before you buy a policy, ask each insurance company the best way to save money. Some discounts listed above may not apply to policyholders in every state. To choose providers that have a full spectrum of discounts, click here to view.

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

Can I make deliveries for my home business?
Do I need medical payments coverage since I have good health insurance?
Why am I be forced to buy a membership to get insurance from some companies?
Do I need roadside assistance coverage?
Is my trailer covered?
Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Informed drivers can slash their insurance prices

Part of the auto insurance buying process is learning some of the factors that are used to determine the price you pay for auto insurance. When consumers understand what determines base rates, this allows you to make good choices that may result in lower rates.

Frequent insurance claims increase rates – If you’re an insured who likes to file claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies award better rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Eliminate incidental coverages – There are quite a few additional extra coverages you can purchase if you aren’t diligent. Things like vanishing deductibles, accidental death, and membership fees may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if you have no use for them remove them and pocket the money.
Having a spouse equates to better prices – Having a spouse can get you a discount when buying auto insurance. Having a significant other is viewed as being less irresponsible and insurance companies like that married drivers tend to file fewer claims.
More people means more accidents – Living in less populated areas can save you money when buying auto insurance. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims. Residents of big cities have more traffic problems and longer commute times. Longer commute distances means more chances of being involved in an auto accident.
Your stress level may be raising your auto insurance rates – Jobs like military generals, executives and dentists generally have higher rates than the rest of us in part from stressful work requirements and lots of time spent away from family. Conversely, jobs like actors, athletes and the unemployed receive lower rates on Town and Country insurance.
Careless drivers pay higher costs – Drivers with clean records receive lower rates than bad drivers. Even one driving citation can increase rates to the point where it’s not affordable. Drivers who have gotten serious tickets like reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.

Do drivers who switch really save $437 a year?

Consumers can’t get away from ads that claim the cheapest premium rates by companies like GEICO, State Farm and Progressive. They all seem to make the same claim that drivers will save a bundle if you move to their company.

How can each company save you money? Here is the trick they use.

Insurance companies give the best rates for the type of insured that will most likely be profitable. One example of a profitable risk profile could be over age 30, has no driving citations, and does not commute to work. Any customer who fits those characteristics will get a cheap rate quote and most likely will save if they switch.

Consumers who may not quite match this stringent profile may be forced to pay higher prices which translates to business going elsewhere. The ads state “people who switch” not “all people who quote” save that much money. That’s why insurance companies can confidently state the savings.

This emphasizes why you should do a quote comparison often. It’s just too difficult to predict which company will fit your personal profile best.

Insurance specifics

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from 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 protects against claims like damage from a tornado or hurricane, rock chips in glass, fire damage, hitting a bird and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chrysler Town and Country.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage – Collision coverage will pay to fix damage to your Town and Country resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for hospital visits, dental work, EMT expenses, nursing services and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Liability car insurance – Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Save for a rainy day

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Cheaper car insurance is available on the web in addition to many insurance agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not offer rate quotes online and these smaller companies work with independent insurance agents.

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, denial of a claim, poor customer service or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.