1996 Chrysler Cirrus Insurance Quotes

Trying to find the cheapest car insurance rates for your Chrysler Cirrus? Are you irritated from robbing Peter to pay Paul to buy car insurance? You have the same problem as the majority of other consumers. Consumers have so many auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more challenging to get the best deal.

Get cheap auto insurance with discounts

The price of auto insurance can be rather high, but you may qualify for discounts that you may not even know about. Some trigger automatically at quote time, but less common discounts must be asked for prior to getting the savings.

• Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
• Smart Student Discounts – A discount for being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Good Drivers – Drivers without accidents can save up to 40% or more on their insurance coverage quote on Cirrus insurance as compared to drivers with claims.
• Paperwork-free – Some of the larger companies provide a small discount just for signing your application over the internet.
• Seat Belt Usage – Requiring all passengers to buckle up before driving can save 10% or more off PIP or medical payments premium.

Don’t be surprised that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, you aren’t that lucky.

Some companies that possibly offer these money-saving discounts are:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you need lower rates, check with all the companies the best way to save money. Some credits might not apply everywhere. To view insurance companies that offer the discounts shown above, click here to view.

Six factors that affect insurance costs

Many things are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, but other factors are less apparent like your vehicle usage or how financially stable you are.

Shown below are some of the major factors used by insurance companies to determine rates.

• Certain vocations raise premiums – Occupations like judges, executives and miners tend to pay the highest average rates because of job stress and extremely grueling work hours. Other occupations like scientists, historians and retirees pay the least on Cirrus insurance.
• Battle of the sexes – Statistics show that women are safer drivers than men. The data does not necessarily mean that women are BETTER drivers than men. Females and males are responsible for at-fault accidents in similar numbers, but the men tend to have higher claims. Men also statistically have more aggressive citations such as DWI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore are the most expensive to insure.
• Cheaper prices using alarm systems – Choosing to buy a car with a theft deterrent system can save you some money. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms can help prevent your car from being stolen.
• Having a spouse can lower costs – Having a significant other may cut your premiums on auto insurance. Marriage is viewed as being more responsible and statistics show drivers who are married are more cautious.
• More people means more accidents – Residing in smaller towns and rural areas of the country has definite advantages when talking about auto insurance. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities have to deal with congested traffic and a longer drive to work. More time on the road means higher likelihood of an accident.
• Car and home together may be cheaper – The majority of insurance companies will give a discount to clients who buy several policies from them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other insurance prices to help guarantee you have the best rates. You may still be able to save money by buying from different companies

Tailor your car insurance coverage to you

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

• Are all vehicle passengers covered by medical payments coverage?
• Do I pay less for low miles?
• Is my teenager covered with friends in the car?
• I have health insurance so do I need medical payments coverage?
• Is my trailer covered?
• Why is insurance for a teen driver so high?
• Am I covered if I wreck a rental car?
• Should I buy additional glass protection?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Big brands don’t always mean big savings

Consumers can’t avoid all the ads for the lowest price insurance by companies like Progressive, Allstate and Geico. All the ads make the same claim that you can save if you get a free insurance coverage quote and switch your coverage.

That’s great but how can every company lower your car insurance rates? It’s all in the wording.

Different companies have underwriting criteria for the type of customer that will not have excessive claims. An example of this type of driver could possibly be over the age of 35, has a clean driving record, and drives newer vehicles. Any driver that meets those criteria will get very good car insurance rates and as a result will probably cut their rates substantially.

Potential customers who fall short of the “perfect” profile must pay higher prices and this can result in the driver buying from a lower-cost company. If you listen closely, the ads state “customers that switch” not “all people who quote” save that much. That is how companies can claim big savings. That is why it is so important to get as many free insurance coverage quotes as possible. It is just not possible to predict which insurance company will fit you best based on your risk profile.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Comprehensive insurance – Comprehensive insurance 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 vandalism, damage from a tornado or hurricane, rock chips in glass, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as court costs, loss of income, structural damage and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chrysler Cirrus.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – This coverage pays for damage to your Cirrus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for expenses for things like ambulance fees, X-ray expenses, hospital visits and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Saving money makes a lot of cents

We’ve covered a lot of techniques to lower your 1996 Chrysler Cirrus insurance prices. It’s most important to understand that the more times you quote, the higher your chance of finding cheap insurance coverage. You may even discover the lowest priced insurance coverage comes from a lesser-known regional company. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Discount 1996 Chrysler Cirrus insurance can be found both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer price quotes online and usually these regional insurance providers only sell coverage through local independent agencies.

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

For more information, take a look at these articles:

• Teen Driver Licensing Information (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Collision Insurance Coverage (Nationwide)
• Prom Night Tips for Teen Drivers (State Farm)
• Get the Right Protection (InsureUonline.org)