Save on 1993 Chrysler Town and Country Insurance Quotes

Want lower auto insurance rates for your Chrysler Town and Country? Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you many drivers feel the same as you.

Online insurance companies like Geico, Farmers Insurance and State Farm increase brand awareness with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

How to buy car insurance online

There are multiple methods to shop for car insurance, and some are easier and takes less work. You can waste a few hours (or days) driving to local insurance agents in your area, or you could save time and use the web to get the quickest rates.

Most of the best insurance companies belong to an insurance system where prospective buyers send in one quote, and at least one company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

The only downside to using this type of system is you can’t choose which providers you want to price. If you prefer to choose specific providers for rate comparison, we have a listing of car insurance companies in your area. Click to view list.

How you compare quotes is your choice, just be certain you are entering exactly the same coverages and limits for every quote you compare. If you are comparing different liability limits it will be very difficult to decipher which rate is best. Just a small difference in limits may result in a large different in cost. And when quoting car insurance, remember that quoting more increases your odds of finding a better price. Not every company provides rate quotes online, so you also need to get prices from them as well.

But the ad said I’d save 15% in 15 minutes!

Well-known insurance coverage companies like State Farm, Allstate and Geico consistently run television, radio, and online ads. All the ads state the claim that people will save just by switching your policy. Is it even possible that every company can charge you a lower premium?

All the different companies can use profiling for the driver that will not have excessive claims. For example, a profitable customer might have to be a female over age 40, is a homeowner, and drives a lower-performance vehicle. Any new insured who meets those qualifications will probably get the lowest prices as well as cut their rates substantially.

Potential insureds who are not a match for those standards will have to pay more expensive rates with the end result being the customer buying from a different company. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently claim big savings.

Because of these techniques, you need to do a price quote comparison at every renewal. It is impossible to predict which insurance companies will be your best fit.

Smart consumers save every year

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious like a motor vehicle report, although some other factors are more transparent such as your credit history or how safe your car is.

Listed below are some of the most rate-impacting factors that factor into your prices.

• Vocation stress can make you pay more – Did you know your career choice can influence rates? Occupations like judges, social workers and dentists generally have higher average rates because of intense work situations and lots of time spent away from family. On the other hand, jobs such as scientists, engineers and performers pay lower than average rates for Town and Country insurance.
• Accidents mean higher rates – How you drive has a huge affect on how much you pay. Getting just one chargable violation can bump up the cost by as much as twenty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have gotten careless violations such as reckless driving, hit and run or driving under the influence are required to prove financial responsibility with the DMV in their state in order to keep their license.
• Is car insurance cheaper for males or females? – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that women are BETTER drivers than men. They both have at-fault accidents at about the same rate, but men get into accidents with more damage. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• Prevent your car from being stolen – Selecting a car model that has an advanced theft prevention system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
• lapses raise premiums – Having a lapse in insurance coverage is a quick way to bump up your insurance costs. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
• Cheaper rates with safer cars – Cars with high safety ratings can get you lower premiums. Vehicles built for safety have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums.
• Raise your physical damage deductibles for better prices – Your deductibles define how much you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims would be colliding with a stationary object, damage from fire, and having a roll-over accident. The higher the amount the insured is willing to pay, the less your insurance will be for Town and Country insurance.

Take policy discounts and save

The cost of insuring your cars can be expensive, but there are discounts available that may help make it more affordable. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be inquired about before they will apply.

• Telematics Devices – Insureds who allow driving data collection to analyze their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.
• Auto/Home Discount – If you have multiple policies and insure them with the same company you could get a discount of as much as 10 to 15 percent.
• Multi-car Discount – Buying a policy with multiple cars on one policy can get a discount on all vehicles.
• Payment Method – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
• Own a Home – Simply owning a home can get you a discount because maintaining a house is proof that your finances are in order.
• Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
• Active Service Discounts – Having a deployed family member may qualify for rate reductions.

One last thing about discounts, some credits don’t apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, you’re out of luck.

A few popular companies and their possible discounts are included below.

• State Farm may offer discounts for defensive driving training, multiple autos, student away at school, passive restraint, and anti-theft.
• Progressive has discounts for continuous coverage, homeowner, multi-policy, online quote discount, good student, and online signing.
• Travelers has savings for home ownership, multi-car, early quote, IntelliDrive, and continuous insurance.
• American Family offers discounts for bundled insurance, defensive driver, early bird, Steer into Savings, TimeAway discount, and accident-free.
• Liberty Mutual discounts include newly married, multi-car, multi-policy, hybrid vehicle, new graduate, and safety features.

If you are trying to find the cheapest insurance quotes, ask all companies you are considering the best way to save money. A few discounts may not be offered in your area. If you would like to choose from a list of providers who offer online car insurance quotes, click here.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether or not you could use an agent’s help.

• Do I have coverage when making deliveries for my home business?
• Is my custom paint covered by insurance?
• Will filing a claim cost me more?
• How much liability insurance is required?
• Does my 1993 Chrysler Town and Country qualify for pleasure use?
• Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Understanding the coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for hospital visits, chiropractic care, ambulance fees, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Town and Country resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chrysler Town and Country.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer, damage from flooding, a broken windshield and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Get your money’s worth

The cheapest 1993 Chrysler Town and Country insurance is possible from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer rate quotes online and many times these small insurance companies work with independent agencies.

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed collision coverage and learned later that they should have had better coverage. The goal is to buy enough coverage at the best possible price, but do not skimp to save money.

Even more information can be read by following these links:

• Medical Payments Coverage (Liberty Mutual)
• Safety Belts FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)