1995 Chrysler LHS Insurance Cost – 10 Tricks for Best Prices

Looking for lower insurance coverage rates for your Chrysler LHS? Are you regretting the purchase of high-priced insurance coverage? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out. Because there are so many options, it’s nearly impossible to locate a lower cost insurance coverage provider.

How to buy auto insurance

Effectively comparing auto insurance prices can take hours if you don’t utilize the fastest way to get free quotes. You could waste a few hours driving to insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote for coverage. This system prevents you from having to do quotation requests to each individual auto insurance company.

To access this free quoting program, click to open in new window.

The single downside to pricing coverage this way is you can’t choose which insurance companies to get pricing from. So if you prefer to choose individual companies to compare rates, we put together a list of auto insurance companies in your area. Click here to view list.

Whichever way you use, make sure you use apples-to-apples coverage information with each company. If you have unequal deductibles or liability limits it will be very difficult to determine the best price for your Chrysler LHS.

Discounts can really help lower premiums

Companies do not list every discount they offer in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious credits that may apply to you.

• Braking Control Discount – Vehicles with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more.
• Telematics Discount – People who choose to allow their car insurance company to spy on vehicle usage by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if their driving habits are good.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
• Smart Student Discounts – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
• New Car Discount – Putting insurance on a new car can cost up to 25% less since new model year vehicles are generally safer.
• Discount for Home Ownership – Owning a home can help you save on car insurance because owning a home is proof of financial responsibility.
• Resident Student – Kids who are attending college and leave their car at home can be insured at a reduced rate.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may get savings of 20% or more.
• Responsible Driver Discount – Drivers without accidents can pay as much as 50% less for LHS coverage as compared to drivers with claims.

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few of the larger companies and some of the discounts are:

• Farm Bureau may offer discounts for driver training, multi-vehicle, safe driver, renewal discount, and 55 and retired.
• Liberty Mutual may include discounts for hybrid vehicle, safety features, teen driver discount, good student, new move discount, multi-policy, and multi-car.
• State Farm may have discounts that include good student, Drive Safe & Save, passive restraint, safe vehicle, and Steer Clear safe driver discount.
• Auto-Owners Insurance has savings for anti-lock brakes, student away at school, multi-policy, company car, and safe vehicle.
• Geico offers discounts for daytime running lights, air bags, military active duty, multi-vehicle, defensive driver, good student, and membership and employees.
• SAFECO offers premium reductions for multi-car, accident prevention training, anti-theft, bundle discounts, and safe driver.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts they offer. Savings may not apply to policies in your state. To find insurance companies that can offer you the previously mentioned discounts, click here to view.

Will just any policy work for me?

When choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help highlight if your insurance needs might need professional guidance.

• Am I covered when driving a rental car?
• What is no-fault insurance?
• Does coverage extend to a rental car in a foreign country?
• Do I need replacement cost coverage?
• Should I sign the liability waiver when renting a car?
• Is a new car covered when I drive it off the dealer lot?
• Does insurance cover tools stolen from my truck?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Insurance policy coverages for a 1995 Chrysler LHS

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Auto collision coverage

This covers damage to your LHS caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, hitting a parking meter, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for funeral costs, pain medications and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, theft and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chrysler LHS.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto liability insurance

This provides protection from damage that occurs to other’s property or people. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like funeral expenses, repair costs for stationary objects, medical services, medical expenses and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Smart shoppers get results

Cost effective 1995 Chrysler LHS insurance is available from both online companies and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide price quotes online and many times these small, regional companies only sell through independent agents.

In this article, we covered some good ideas how you can compare 1995 Chrysler LHS insurance premium rates online. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive insurance coverage. Consumers may even find the lowest premium rates come from some of the lesser-known companies. They may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

Helpful learning opportunities

• Booster Seat Ratings (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Tread Depth and Tire Safety (State Farm)
• Teen Driving and Texting (State Farm)