1993 Chrysler Concorde Car Insurance Rates – 9 Tips to Save

Trying to find cheaper auto insurance rates for your Chrysler Concorde? If price shopping auto insurance quotes online is new to you, by this point your are probably confused by the vast number of auto insurance companies all advertising big savings.

It’s important to compare prices yearly because auto insurance rates go up and down regularly. Just because you had the best premium rates for Concorde insurance on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

First Step: Get free car insurance quotes

Many insurance companies like 21st Century, Allstate and State Farm make it easy to get insurance quotes on the web. Getting online rates is pretty painless as you just type in your coverage preferences into the form. Once entered, the quote system automatically retrieves your driving and credit reports and gives you a price quote.

This makes comparing rates easy, but the process of having to visit multiple sites and fill out multiple forms is monotonous and tiresome. But it’s necessary to do this if you want to find lower prices.

Online rates the easy way

The easiest way to find cheaper rates uses just one form that gets price quotes from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes online quotes much easier to do. After your information is entered, it is quoted and you are able to buy any of the price quotes you receive. If you find a better price it’s easy to complete the application and buy the policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

If you want to fill out one form to compare multiple rates now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you complete the form with the insurance coverages just like they are on your policy. Doing this assures you will have rate comparison quotes based on the exact same insurance coverage.

Get cheap insurance quotes with discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts that may help make it more affordable. Certain reductions will be credited at the time of purchase, but a few must be inquired about before being credited.

• Fewer Miles Equal More Savings – Fewer annual miles on your Chrysler could be rewarded with lower insurancerates on the low mileage vehicles.
• Theft Deterent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education in high school.
• No Claims – Insureds with no claims or accidents can earn big discounts when compared with policyholders that have many claims.
• Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Save over 55 – Older drivers are able to get lower premium rates for Concorde insurance.
• Payment Discounts – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
• Braking Control Discount – Cars that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few companies that possibly offer many of the previously listed discounts may include but are not limited to:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

Before you buy a policy, ask all companies you are considering to give you their best rates. Depending on the company, some discounts may not apply to policies in your state.

Tailor your insurance coverage coverage to you

When buying coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions can help discover if your insurance needs could use an agent’s help.

• Am I covered when delivering products for my home-based business?
• Which is better, split liability limits or combined limits?
• What is the difference between comprehensive and collision coverage?
• Does having multiple vehicles earn me a discount?
• Do I have coverage when using my vehicle for my home business?
• Should I buy more coverage than the required minimum liability coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage will pay to fix damage to your Concorde resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Liability coverages

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It consists of three limits, 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 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, structural damage, legal defense fees, court costs and loss of income. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage covers 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 can pay for things like theft, a tree branch falling on your vehicle, hail damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, prosthetic devices and dental work. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

At the end of the day…

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped full coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the best cost and still be able to protect your assets.

People who switch companies do it for a variety of reasons including policy non-renewal, high prices, delays in paying claims and even poor customer service. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

Cost effective 1993 Chrysler Concorde insurance is available from both online companies as well as from insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide price quotes online and many times these small insurance companies only sell through independent agents.

To read more, take a look at these articles:

• Airbag FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Distracted Driving (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)