Lower Your 1993 Chrysler Le Baron Car Insurance Quotes

Sick and tired of paying out the nose each month for insurance? You’re in the same situation as many other consumers.

Since consumers have many online and local companies to choose from, it can be hard to pick the right insurance company.

You should take the time to price shop coverage every six months because insurance rates are constantly changing. If you had the best rate for Le Baron coverage a few years ago you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to find out the best way to find the best coverage while lowering your premiums.

Compare car insurance rate quotes

Shopping for lower car insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

All the larger companies belong to an insurance system where prospective buyers submit their information once, and each participating company can give them a price for coverage. This eliminates the need for quote requests for every car insurance company. To access this free quoting program, click here (opens in new window).

The one downside to doing it this way is buyers cannot specifically choose the providers to get quotes from. If you would rather choose specific providers to compare, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, be sure to compare the same deductibles and coverage limits for every company. If each company quotes different liability limits it will be next to impossible to determine which rate is truly the best. Just slight variations in coverage limits could skew the results. And when comparison shopping, comparing all the rates in your area provides better odds of finding a lower rate than you’re paying now.

Lower rates by qualifying for discounts

Car insurance companies do not advertise all possible discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known ways to save on insurance.

• No Charge for an Accident – This one is not really a discount per se, but some insurance companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• Save with a New Car – Buying a new car model is cheaper since new model year vehicles are generally safer.
• Claim Free – Insureds with no claims or accidents get the best insurance rates when compared to accident-prone drivers.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
• Early Renewal Discounts – A few larger companies offer discounts for renewing your policy before your current policy expires. You could save around 10% when you buy auto insurance online.

As a disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, insurance companies aren’t that generous.

A few companies that may offer quotes with these money-saving discounts are:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you need lower rates, check with all the companies how many discounts you can get. Savings might not be offered in your area. For a list of insurance companies who offer cheap insurance quotes, click here to view.

Insurance is unique, just like you

When buying the best insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether or not you might need professional guidance.

• Do all my vehicles need collision coverage?
• Is pleasure use cheaper than using my 1993 Chrysler Le Baron to commute?
• Do I have coverage if my license is suspended?
• How do I file an SR-22 for a DUI in my state?
• Am I insured when driving a different vehicle?
• Is my custom paint covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a bird, a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time 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.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, crashing into a ditch, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability coverages

This coverage will cover damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, loss of income and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Chrysler Le Baron.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, hospital visits, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage