1995 Chrysler Concorde Insurance Quotes – 7 Tips to Save

Looking for better insurance rates for your Chrysler Concorde? Finding better insurance prices for your Chrysler Concorde can turn out to be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to shop for insurance and we’ll show you the best way to get price quotes for a new or used Chrysler and find the best price possible either online or from local insurance agents.

It’s a good habit to do price comparisons once or twice a year because rates fluctuate regularly. Despite the fact that you may have had the best deal on Concorde coverage a year ago the chances are good that you can find a lower price today. You can find a lot of information about insurance online but I’m going to show you some great ideas on how to quit paying high insurance rates.

If you have insurance now or are just looking to switch companies, you can use these techniques to find better prices while maximizing coverage. Buying affordable insurance is simple if you know the tricks. Drivers just need to understand the best way to shop their coverage around online.

Low cost car insurance price quotes

Most larger insurance companies allow consumers to get price estimates direct online. Comparing rates online is possible for anyone because you just enter the coverages you want as detailed in the form. After the form is submitted, the system orders information on your driving record and credit history and generates a price based on many factors.

Online quotes helps simplify price comparisons, but the work required to visit different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to do this if you are searching for better prices.

The better way to compare rates

An easier way to find better car insurance pricing is to use a quote form that analyzes rates from several different companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much easier. Immediately after you send the form, it is rated and you are able to buy any of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out how much you can save on car insurance, click here to open in new window and enter your information. If you currently have coverage, we recommend you input the insurance coverages as close as possible to your current policy. Doing this guarantees you’re receiving a price comparison based on the exact same insurance coverage.

Seven discounts for lower-cost auto insurance rates

The price of auto insurance can be rather high, but discounts can save money and there are some available that many consumers don’t even know exist. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to receiving the credit.

• Active Military Service – Being deployed with a military unit may lower your prices slightly.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
• Senior Discount – Drivers over the age of 55 may qualify for better auto insurance rates on Concorde coverage.
• Seat Belts Save – Requiring all passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20 to 30 percent.

Discounts lower rates, but most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The best auto insurance companies and their possible discounts are shown below.

• State Farm offers premium reductions for defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, and multiple policy.
• Geico has savings for driver training, defensive driver, daytime running lights, federal employee, and multi-vehicle.
• Allstate has discounts for early signing, anti-lock brakes, premier discount, good payer, new car, economy car, and premier plus.
• SAFECO policyholders can earn discounts including safe driver, anti-theft, accident prevention training, drive less, multi-car, bundle discounts, and anti-lock brakes.
• Farm Bureau may offer discounts for good student, renewal discount, 55 and retired, safe driver, driver training, youthful driver, and multi-policy.
• Progressive offers discounts for continuous coverage, multi-policy, good student, online signing, and online quote discount.
• AAA may have discounts that include multi-car, education and occupation, pay-in-full, anti-theft, good driver, and AAA membership discount.

When quoting, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. If you would like to see a list of insurance companies offering auto insurance discounts, click here.

You may need specialized insurance coverage coverage

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions can aid in determining if your situation might need an agent’s assistance.

• When should I drop full coverage on my 1995 Chrysler Concorde?
• How can I find cheaper teen driver insurance?
• Can I afford to buy a different vehicle if my 1995 Chrysler Concorde is totaled?
• How many claims can I have before being cancelled?
• Do I need PIP (personal injury protection) coverage in my state?
• Does my 1995 Chrysler Concorde qualify for pleasure use?
• How much liability do I need to cover my assets?
• Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, nursing services, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

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

Collision insurance covers claims such as scraping a guard rail, damaging your car on a curb, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, damage from getting keyed, hail damage and a tree branch falling on your vehicle. 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.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 1995 Chrysler Concorde.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Liability car insurance

This protects you from injuries or damage you cause to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, medical expenses, funeral expenses, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Never pay more for less

Drivers change insurance companies for a number of reasons such as lack of trust in their agent, policy cancellation, being labeled a high risk driver and even not issuing a premium refund. No matter why you want to switch, finding a great new company is less work than it seems.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability coverage limits and found out when filing a claim that it was a big mistake. Your aim should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Lower-priced insurance is attainable both online as well as from insurance agents, so you need to quote car insurance with both to have the best selection. Some insurance providers may not provide online rate quotes and usually these smaller companies only sell coverage through independent insurance agencies.

Even more information can be read in the articles below:

• What is Covered by GAP Insurance? (Allstate)
• Parking Tips to Reduce Door Dings (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Event Data Recorders FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)