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.
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.
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:
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.
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.
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.
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.
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.
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
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:
Yong Spence
What does medical payments cover?
Kelley Cote
Good detail in your article. I live just to the south of Reno, Nevada. Don’t remember every company but I ended up saving about $20 each month. Was with 21st Century. I get a discount for insuring multiple vehicles.
Alexis Harvey
IT’S ALL TOO EXPENSIVE! I live north of Warren, MI. Quoted with 21st Century, Amica, and some I forget for my Cirrus and I’m now saving $10 a month. Highly recommended. Book value doesn’t justify full coverage anymore.
Jennette Gibson
If you have a clean record and live around Baltimore, Maryland, check out Allstate. You might save some money. Left Sentry to switch. I just carry liability insurance.
Kiyoko Bryant
I’m just south of Davenport, Iowa. Quoted rates from Sentry, Esurance, Progressive, and AIG Insurance for my Cirrus and saved just over $70 a year. I got prices on the web. Anyone else drop full coverage?
Shin Watson
It all costs too much. I’m in the west part of Boise, ID. Checked online prices for a 1996 Chrysler Cirrus. Ended up at about $80 savings annually. Went with State Farm.
Kathaleen Wall
From Davenport, IA. I quoted with GMAC, Auto-Owners, Mercury, and a couple others for my Chrysler and saved $91 a year. Left Hartford to switch. It’s too old for full coverage.
Darin Rodgers
Does State Farm use ACV or replacement cost?
Lady Luna
I’ve bought from 21st Century forever. Cheapest rates in Warwick, Rhode Island.
Inge Mullen
Where can I find cheaper car insurance in Phoenix, AZ?
Lyndsay Rodriquez
Here’s my info. From Columbus, OH. I got free prices from 21st Century, American Family, Farmers, and Hanover for my 1996 Chrysler Cirrus and I think I am saving around $30 each month. I get lower rates because of my clean driving record. Anyone else drop full coverage?
Marquita Willis
From a town just southwest of Provo, UT. Got car insurance quotes with Hartford, AIG Insurance, MetLife, and a couple others for my Chrysler and saved $108 a year. Get lots of quotes to find the best rate. I don’t have comp or collision coverage.
Shon Booth
Great info, thanks for posting. I live just outside Baton Rouge, LA. Received rates from American Family, Sentry, and USAA for my 1996 Chrysler Cirrus and am saving around $110 a year. Left Sentry to switch. Get lots of quotes to find the best rate. I think I’ll get rid of full coverage next time.
Keila Luna
In Salem, OR, GEICO is a good choice.
Tom Joyce
Enjoyed the article. From northwest of Warwick, RI. Got car insurance quotes from Amica, Erie, and Nationwide for my 1996 Chrysler Cirrus and I’m now saving $10 a month. I just quoted rates online.
Florene Hughes
Allstate is decent in Nashville, Tennessee.
Joellen Hyde
I think Allstate has low rates in California. For me anyway.