Save on 1991 Chrysler Imperial Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Chrysler Imperial? I really doubt anyone loves paying for insurance coverage, especially knowing they could lower their rates if they shopped around.

Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company to find the best price available.

Why you might pay increased rates

Multiple criteria are considered when premium rates are determined. Some of the criteria are obvious such as your driving history, but others are less apparent such as whether you are married or your financial responsibility.

• Always keep your coverage in force – Having an insurance coverage lapse is a fast way to increase your renewal premiums. Not only will rates go up, the inability to provide proof of insurance can result in a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Your spouse saves you money – Your spouse may earn you lower rates compared to being single. Having a spouse may mean you are more financially stable and statistics show married drivers get in fewer accidents.
• Your address can push rates up or down – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. Lower population means fewer accidents and a lower car theft rate. Drivers who live in large cities have to deal with more aggressive driving styles and higher rates of accident claims. More time commuting means higher likelihood of an accident.
• Youthful drivers cost more – Inexperience drivers are statistically shown to get distracted easily behind the wheel so auto insurance rates are higher. More mature drivers are shown to be more cautious, cause fewer claims and accidents , and usually have better credit.
• Women tend to take less risk – Over the last 30 years, statistics show females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. They both tend to get into at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.

Take policy discounts and save

Insurance is neither fun to buy or cheap, but there are discounts available that can help lower your rates. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be asked about before being credited.

• Sign Early and Save – A few companies allow discounts for buying a new policy early. You can save around 10% with this discount.
• Own a Home – Owning your own home or condo may earn you a small savings since home ownership requires a higher level of personal finance.
• Buy New and Save – Putting insurance on a new car can save you some money due to better safety requirements for newer models.
• Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
• Discounts for Safe Drivers – Drivers who avoid accidents could pay up to 40% less on Imperial coverage than their less cautious counterparts.
• Air Bags and Passive Restraints – Factory options such as air bags can qualify for discounts up to 30%.
• Smart Student Discounts – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Accident Free – Drivers who don’t have accidents can save substantially as compared to drivers with a long claim history.

A quick disclaimer, some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that may include some of the discounts shown above are:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

If you are trying to find affordable car insurance quotes, ask every company which discounts they offer. Savings might not be offered on policies in your area. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, follow this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining whether you could use an agent’s help.

• What happens if I owe more than my 1991 Chrysler Imperial is worth?
• Does my policy cover me when driving someone else’s vehicle?
• Is my cargo covered for damage or theft?
• Is my babysitter covered when using my vehicle?
• Does my medical payments coverage pay my health insurance deductible?
• Do I need higher collision deductibles?
• What if I don’t agree with a claim settlement offer?
• Will filing a claim cost me more?

If you don’t know the answers to these questions, you might consider talking 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.

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, rehabilitation expenses, nursing services and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have 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.

Liability coverage pays for claims like emergency aid, court costs, funeral expenses, structural damage and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This will pay to fix damage to your Imperial caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM 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 and also any damage incurred to your 1991 Chrysler Imperial.

Because many people 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 a good idea.

Have the Midas touch

Budget-friendly auto insurance can be purchased on the web in addition to many insurance agents, so you need to quote car insurance with both to get a complete price analysis. Some companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agencies.

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice collision coverage only to find out that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

Helpful information

• Young Drivers: The High Risk Years Video (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)