Cheaper 1996 Chrysler Concorde Insurance Quotes

Looking for cheaper auto insurance rates? Shoppers have many options when shopping for the best price on Chrysler Concorde insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to get rate quotes. There is a right way and a wrong way to find auto insurance online and we’ll show you the best way to quote coverages for a Chrysler and obtain the lowest possible price.

Why your insurance costs might be higher

Part of the insurance coverage buying process is learning a few of the rating criteria that aid in calculating the price you pay for insurance coverage. If you understand what controls the rates you pay, this helps enable you to make changes that may result in lower rates. Many factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other criteria are more obscure such as your credit history or your financial responsibility.

• Keep rates low by being claim-free – Companies provide cheaper rates to insureds who file claims infrequently. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
• Safer cars means cheaper insurance – Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you.
• Bad credit will cost you – Having a good credit score factor in determining what you pay for insurance coverage. So if your credit score can use some improvement, you could pay less to insure your 1996 Chrysler Concorde by improving your credit score. People that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit.
• You may save more by bundling policies – Most larger companies will award discounts to customers that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to get quotes from other companies to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
• Do you save by driving less? – The higher the miles on your Chrysler every year the higher your rates will be. The majority of insurers rate vehicles based on their usage. Vehicles that sit idle most of the time can get a lower rate than cars that get driven a lot. Ask your agent if your insurance coverage declarations sheet is rated on the right rating data. A policy that improperly rates your Concorde is throwing money out the window.
• Driving citations drive up rates – Getting just one citation may cause rates to rise twenty percent or more. Good drivers tend to pay less for car insurance as compared to careless drivers. People who have severe violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.

How to lower your insurance coverage cost

There are a variety of methods to compare insurance coverage prices but one way is less time-consuming than others. You could waste time discussing policy coverages with local insurance agents in your area, or you could use online quoting to quickly compare rates.

Many of the larger companies enroll in a system where prospective buyers submit their information once, and every company then returns a price quote based on that data. This system prevents you from having to do quotation requests to each individual insurance coverage company.

To compare pricing click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose the companies you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just double check that you are using nearly identical quote data on every quote you get. If you enter different limits and deductibles on each one it’s impossible to find the best deal for your Chrysler Concorde.

Brand name doesn’t guarantee savings

Consumers can’t ignore all the ads that promise big savings by Progressive, Allstate and Geico. They all seem to try to convey promises that drivers can save some big amount if you change to their company.

Is it even possible that every company can charge lower premium rates? This is the trick they use.

Many companies give the cheapest rates for the type of driver that will most likely be profitable. For example, a profitable risk profile should be over the age of 50, has never had a claim, and drives a safe vehicle. A driver that fits those parameters will probably get cheap prices and have a good chance to save when they switch companies.

Insureds who do not match the “perfect” profile will be quoted higher rates which translates to the prospect going elsewhere. The wording the ads use say “drivers that switch” not “all people who quote” save that much. That’s why companies can claim big savings. This emphasizes why you absolutely need to compare quotes as often as possible. It is impossible to predict the company that will fit your personal profile best.

Are you getting every discount?

Insurance is not an enjoyable expense, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be applied at quote time, but less common discounts must be asked about before you will receive the discount.

• Defensive Driver Discount – Completing a course teaching defensive driver skills could possibly earn you a 5% discount and easily recoup the cost of the course.
• Multiple Vehicles – Having primary and secondary vehicles with one company could earn a price break for each car.
• Homeowners Pay Less – Owning a home can earn you a little savings because it is proof of financial responsibility.
• Resident Student – Kids who are attending college and do not have a car may be able to be covered for less.
• Telematics Data Discounts – Insureds that choose to allow data collection to study driving patterns by installing a telematics device such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance.

You should keep in mind that many deductions do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So even though you would think you can get free auto insurance, it’s just not the way it works. Any amount of discount will reduce your insurance premiums.

To locate insurance companies who offer online insurance quotes, click here.

When in doubt talk to an agent

When it comes to choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you might need professional guidance.

• Do I need roadside assistance coverage?
• What if I don’t agree with a claim settlement offer?
• Why am I required to get a high-risk car insurance policy?
• Am I covered when delivering products for my home-based business?
• Who is covered by my policy?
• When should I drop full coverage on my 1996 Chrysler Concorde?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverages for a 1996 Chrysler Concorde

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as X-ray expenses, ambulance fees, dental work and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, crashing into a ditch, rolling your car, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler Concorde.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, a broken windshield, rock chips in glass and damage from getting keyed. The maximum payout a 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 consider dropping full coverage.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Make an honest buck

We just showed you some good ideas how you can compare 1996 Chrysler Concorde insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher your chance of finding affordable insurance. Consumers may even find the most savings is with a lesser-known regional company.

Drivers switch companies for a variety of reasons including delays in paying claims, poor customer service, questionable increases in premium or even policy non-renewal. No matter why you want to switch, finding a great new company can be easier than you think.

Discount 1996 Chrysler Concorde insurance is possible both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer internet price quotes and most of the time these regional carriers sell through independent insurance agencies.

To read more, take a look at the following helpful articles:

• Get the Right Protection (InsureUonline.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)