1992 Chrysler Imperial Car Insurance Quotes – 8 Tips to Save

Trying to find better car insurance rates for your Chrysler Imperial? Pricey Chrysler Imperial insurance can drain your checking account and force you to prioritize other expenses. Big companies like Geico, Progressive and Allstate promote their brand names with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

It’s a great practice to quote other rates periodically since prices are usually higher with each renewal. Just because you found the best deal on Imperial insurance a few years ago there may be better deals available now. There is a lot of bad information regarding car insurance on the internet, but in just a couple of minutes you can learn some great ways to slash your car insurance rates.

If you have a policy now or are shopping for new coverage, you can learn to reduce the price you pay while maximizing coverage. Buying car insurance is not rocket science. Consumers only need an understanding of the most effective way to compare rates online.

How to shop auto insurance online

All major auto insurance companies allow consumers to get price estimates from their websites. Getting quotes is pretty easy because you just enter your coverage information as requested by the quote form. Upon sending the form, the system pulls your driving record and credit report and generates a price based on many factors. Online price quotes makes it simple to compare prices but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible in order to get better auto insurance pricing.

There is a better way!

A better way to get multiple rate quotes uses one simple form that obtains quotes from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes price shopping online much easier. After sending your information, it is quoted and you are able to buy any or none of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To compare rates using this form now, click here and enter your information. If you currently have coverage, we recommend you copy the limits and deductibles as close as possible to your current policy. Using the same limits helps guarantee you are getting comparison quotes using the exact same coverages.

Advertising and car insurance

Consumers can’t get away from ads that claim the cheapest premium rates by Geico, State Farm and Progressive. All the ads make the point about savings if you get a free auto insurance quote and switch your policy.

Is it even possible that every company can offer you a better deal? Just pay attention to how they say it.

All the different companies offer their best rates for the type of driver that earns them the most money. An example of a desirable risk could be over the age of 40, has never had a policy lapse, and chooses high deductibles. A customer that fits those parameters will probably get the lowest rates and therefore will save when they switch companies.

Potential customers who are not a match for this stringent profile will probably have to pay higher rates which results in the customer buying from someone else. The wording the ads use say “people who switch” not “everyone who quotes” save money. That’s why insurance companies can confidently lure you into getting a quote.

This really drives home the point why drivers must compare price quotes frequently. It’s just not possible to know which company will have the best prices.

Insurance rates and discounts

Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so below is a list some of the more common and also the more inconspicuous insurance savings.

• Passenger Safety Discount – Vehicles equipped with air bags may qualify for discounts of more than 20%.
• No Accidents – Good drivers with no accidents can earn big discounts when compared with insureds who have frequent claims or accidents.
• Own a Home and Save – Just owning your own home may earn you a small savings because owning a home shows financial diligence.
• Accident Forgiveness – This isn’t a discount exactly, but some insurance companies allow you one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
• Student Discount for Driver Training – Teen drivers should enroll in driver’s education if it’s offered in school.
• E-sign – Some of the larger companies give back up to $50 simply for signing on your computer.
• Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Telematics Discount – Insureds that choose to allow companies to study driving habits by using a telematic data system like Allstate’s Drivewise might see lower rates as long as the data is positive.

We need to note that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

A list of insurance companies and their possible discounts are detailed below.

• Farm Bureau may offer discounts for safe driver, multi-policy, good student, 55 and retired, driver training, renewal discount, and multi-vehicle.
• MetLife may include discounts for accident-free, multi-policy, defensive driver, good driver, good student, claim-free
• Progressive offers premium reductions for multi-policy, multi-vehicle, good student, online quote discount, homeowner, and online signing.
• AAA has savings for education and occupation, multi-policy, anti-theft, good driver, good student, and multi-car.
• American Family includes discounts for air bags, defensive driver, multi-vehicle, Steer into Savings, and good driver.
• Geico offers discounts including emergency military deployment, five-year accident-free, anti-lock brakes, air bags, and defensive driver.
• State Farm has discounts for anti-theft, Steer Clear safe driver discount, accident-free, defensive driving training, driver’s education, and Drive Safe & Save.

If you are trying to find low cost auto insurance quotes, ask each insurance company which discounts you may be entitled to. Some discounts listed above might not apply in your area. If you would like to choose from a list of insurance companies that have a full spectrum of discounts, click here to view.

Situations that may require an agent’s advice

When choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight whether or not you could use an agent’s help.

• Can I rate high risk drivers on liability-only vehicles?
• How can I find cheaper teen driver insurance?
• Is my 1992 Chrysler Imperial covered for flood damage?
• Do I need to file an SR-22 for a DUI in my state?
• Should I bundle my homeowners policy with my auto?
• Am I covered if hit by an uninsured driver?
• What is no-fault insurance?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance specifics

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Coverage for collisions

This covers damage to your Imperial resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, theft, hitting a deer, fire damage and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, prosthetic devices, X-ray expenses and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability

This coverage can cover damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Saving money makes a lot of cents

We covered a lot of tips how to reduce 1992 Chrysler Imperial insurance rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheaper auto insurance. You may even find the lowest rates are with a lesser-known regional company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

While you’re price shopping online, you should never skimp on coverage in order to save money. There have been many cases where someone sacrificed physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

To read more, take a look at these articles:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Airbag FAQ (iihs.org)
• Red Light Cameras (State Farm)