1994 Chrysler Town and Country Insurance Rates

I can’t think of anyone who looks forward to paying premiums for insurance coverage, especially when they could find better rates elsewhere. Companies like State Farm, Allstate, Geico and Progressive all claim big savings with advertising and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

Get cheaper rates by receiving discounts

Companies offering auto insurance don’t always advertise every policy discount in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online. If they aren’t giving you every credit available, you are throwing money away.

• Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on Town and Country insurance but check with your company.
• Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more on Town and Country insurance than drivers with accidents.
• Active Service Discounts – Being on active duty in the military could trigger a small discount.
• Homeowners Pay Less – Just owning your own home may earn you a small savings since home ownership means you have a higher level of financial diligence.
• E-sign – Many larger companies will give a small break simply for signing on your computer.

A little disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will definitely reduce your car insurance premiums.

A few of the larger companies and a partial list of their discounts are:

• State Farm may offer discounts for passive restraint, anti-theft, defensive driving training, good driver, good student, student away at school, and Drive Safe & Save.
• Liberty Mutual discounts include exclusive group savings, newly married, multi-policy, new vehicle discount, and teen driver discount.
• American Family policyholders can earn discounts including mySafetyValet, TimeAway discount, multi-vehicle, air bags, defensive driver, and bundled insurance.
• Progressive offers premium reductions for good student, multi-policy, homeowner, online signing, and multi-vehicle.
• Farmers Insurance has discounts for multi-car, alternative fuel, switch companies, pay in full, and electronic funds transfer.
• Auto-Owners Insurance may have discounts that include student away at school, group or association, paid in full, teen driver, good student, and safe vehicle.
• SAFECO has savings for homeowner, multi-car, accident prevention training, bundle discounts, teen safety rewards, and anti-theft.

It’s a good idea to ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts might not be offered in every state. To view providers with discount car insurance rates, follow this link.

Where can I get low cost car insurance?

Finding cheaper car insurance quotes is a great way to save money. The only thing you need to do is invest a few minutes to compare free car insurance quotes to find. This can easily be done in just a few minutes using one of these methods.

The easiest and least time consuming way to find low rates is a comparison rater form click to view form in new window. This quick form keeps you from doing separate quotation requests for each company. A single, simple form will get you price quotes from many national carriers.

A less efficient way to obtain and compare quotes online requires visiting each company website and repeat the quote process again and again. For instance, we’ll assume you want to compare prices for Nationwide, Esurance and State Farm. To get each rate you have to go to every website and punch in your information repeatedly, which is why the first method is more popular. For a list of companies in your area, click here.

The least efficient way of comparing rate quotes is to spend your day driving to insurance agencies in your area. Comparing rates online can eliminate the need for a local agent unless you require the professional assistance that only a licensed agent can provide. Some companies do allow you to get prices online but have your policy serviced through an agent.

Compare rates however you want, just make darn sure you compare the same coverage limits with every price quote. If you enter mixed coverages it will be nearly impossible to determine which company has the best rates.

Components of your Chrysler Town and Country insurance premiums

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that help calculate insurance coverage rates. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that can help you get cheaper rates.

• Insurance coverage rates and your occupation – Did you know that where you work can have an impact on rates? Careers such as judges, social workers and emergency personnel generally pay higher rates than average because of high stress levels and lengthy work days. On the other hand, jobs like professors, engineers and homemakers pay lower than average rates on Town and Country insurance.
• Extra policy coverages you don’t use – There are quite a few additional extra coverages that may not really be needed if you aren’t careful. Things like rental car coverage, accidental death, and motor club memberships may be wasting your money. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
• Younger drivers pay high premiums – Drivers with little experience are proven to be less responsible when behind the wheel therefore insurance coverage rates are much higher. Older drivers are more responsible, are lower risk to insure and tend to be get fewer driving tickets.
• Mileage impacts premiums – The more you drive each year the more you’ll pay to insure your vehicle. Almost all companies calculate prices based upon how much you drive. Vehicles left parked in the garage cost less to insure than cars that get driven a lot. Improper usage on your Town and Country may be wasting your money. It’s always a good idea to double check that your insurance coverage policy is rated on the proper vehicle usage.
• Never go without insurance coverage – Having a lapse in insurance coverage can be a fast way to pay more for insurance coverage. And not only will your rates increase, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license.
• Deter vehicle theft – Choosing to buy a car that has an advanced theft prevention system can help bring down rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
• Good credit equals lower costs – Having a bad credit score is a big factor in your rate calculation. People that have excellent credit tend to file fewer claims than drivers who have poor credit scores. Therefore, if your credit rating is not that good, you could pay less to insure your 1994 Chrysler Town and Country by improving your rating.
• Don’t abuse policy claims – If you’re an insured who likes to file claims don’t be surprised to see higher premiums or even policy non-renewal. Auto insurance companies give discounts to people who file claims infrequently. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.

Your car insurance coverage should be tailored to you

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out whether you might need professional guidance.

• Will filing a claim cost me more?
• Should I drop comprehensive coverage on older vehicles?
• Does having multiple vehicles earn me a discount?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I crash into my own garage door?
• Should I buy full coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Do you really save 40% when you switch?

Drivers constantly see and hear ads for the lowest price insurance by Progressive, Geico, Allstate and State Farm. All the ads advertise claims about savings just by moving your insurance coverage to their company.

How does every insurance company charge you a lower premium? It’s all in the wording.

Many companies offer their best rates for the type of driver they prefer to insure. A good example of a driver they prefer might be described as married and over the age of 30, has had continuous coverage, and does not commute to work. Someone who fits those characteristics will probably get the lowest premium rates and will probably save money with a new company.

Insureds who fall outside this ideal profile will get more expensive rates and this results in the customer buying from a different company. The trick companies use is to say “people who switch” not “everybody who quotes” save the amount stated. That is how insurance companies can lure you into getting a quote.

Because of this risk profiling, you should get car insurance quotes from several different companies. It’s impossible to know with any certainty which company will have the best rates at this point in time.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Chrysler Town and Country.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

Coverage for liability

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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 liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, medical services, attorney fees, court costs and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for collisions

This coverage pays for damage to your Town and Country resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, crashing into a building 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. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, a broken windshield, damage from a tornado or hurricane and hitting a bird. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses for ambulance fees, rehabilitation expenses and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Smart shoppers get results

Discount 1994 Chrysler Town and Country insurance is attainable from both online companies as well as from insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer online rate quotes and most of the time these smaller companies work with independent agencies.

When searching for cheaper car insurance quotes, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

Even more information is located at these sites:

• Insurance Losses by Make and Model (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Teen Driver Statistics (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)