Save on 1996 Chrysler LHS Insurance Rates

Do you get confused by the wide range of car insurance sources that you can choose from? Many other people are too. Drivers have so many choices that it can be a difficult challenge to find the best premium rates.

Compare free car insurance price quotes

Effectively comparing car insurance prices can be exhausting if you don’t utilize the best way to get rate quotes. You can waste hours driving to insurance agencies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies belong to a marketplace that allows shoppers to send in one quote, and each participating company can give them a price determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

To use this form to compare rates click to open in new window.

The only drawback to doing it this way is you are unable to specify the companies to get quotes from. If you would rather choose from a list of companies to request quotes from, we have assembled a list of car insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but do your best to use exactly the same coverage limits for every quote you compare. If each company quotes different values for each quote you will not be able to determine the best price for your Chrysler LHS. Slightly different coverage limits could throw off the whole comparison. And when comparing car insurance rates, know that getting more free quotes helps you find more affordable rates.

Cheaper rates with these insurance discounts

Some insurance providers don’t always list every disount available very well, so the list below gives a summary of a few of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online.

• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
• Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
• Military Rewards – Having an actively deployed family member could trigger a small discount.
• Seat Belt Discounts – Requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Multi-car Discount – Buying coverage for more than one vehicle on one policy can reduce rates for all insured vehicles.
• Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
• Defensive Driver – Passing a safe driver course can save you 5% or more if your company offers it.
• First Accident Forgiveness – This one is not really a discount per se, but certain companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
• Distant Student Discount – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will cut your policy cost.

Companies who may offer most of the discounts above may include but are not limited to:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Double check with every company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders in your area.

Insurance coverage can get complicated

When it comes to choosing the best insurance coverage coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that could help you determine whether you will benefit from professional help.

• Do I have coverage if my license is suspended?
• Which is better, split liability limits or combined limits?
• How much liability coverage do I need in my state?
• Do I need an umbrella policy?
• Where can I find DUI or SR-22 insurance?
• Does my policy pay for OEM or aftermarket parts?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Get lower-cost insurance rates by understanding these factors

Multiple criteria are considered when premium rates are determined. A few of the factors are predictable like an MVR report, although some other factors are not quite as obvious such as whether you are married and annual miles driven.

The items below are some of the major factors used by your company to calculate rates.

• With age comes lower rates – Mature drivers are more responsible, file fewer claims .Teenage drivers are statistically shown to get distracted easily behind the wheel so they pay higher auto insurance rates.
• Big cities mean more claims – Residing in a small town has definite advantages when trying to find low car insurance rates. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate. Urban drivers tend to have more road rage incidents and much longer commute distances. Higher commute times means higher likelihood of an accident.
• How much liability insurance do you need? – A critical coverage on your policy, liability insurance is the protection when you are found to be at fault for an accident. Your liability coverage provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Occupation impacts prices – Did you know that where you work can have an impact on rates? Occupations like doctors, executives and medical professionals generally pay higher premium rates due to stressful work requirements and lots of time spent at work. On the other hand, careers like farmers, historians and retirees pay the least on LHS coverage.

Save $486 a year? Really?

Insurance companies such as State Farm and Allstate regularly use television, radio, and online ads. They all make the point of big savings if you get a free insurance coverage quote and switch to them. Is it even possible that every company can offer you a better deal? Here is how they do it.

Different companies give the cheapest rates for a prospective insured that is profitable for them. An example of a preferred risk could be a married female, has no driving citations, and the vehicle is rated for pleasure use. Any new insured who matches that profile receives the best premium rates as well as save if they switch.

Consumers who are not a match for these standards must pay higher prices and this can result in business going elsewhere. The ads say “people that switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can make those claims.

This emphasizes why it’s extremely important to get a wide range of price quotes. It is just not possible to predict with any certainty which company will have the best car insurance rates for your profile.

Parts of your insurance policy

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for 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. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, bail bonds, medical services, medical expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, EMT expenses, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your LHS resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, vandalism, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

More quotes. Lower rates.

We just presented a lot of techniques to get a better price on 1996 Chrysler LHS insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest insurance coverage. You may even find the best premium rates are with the smaller companies.

Drivers leave their current company for many reasons like denial of a claim, an unsatisfactory settlement offer, extreme rates for teen drivers and policy non-renewal. Regardless of your reason for switching companies, switching companies is actually quite simple.

Lower-priced car insurance is attainable on the web and from local agencies, and you should compare rates from both to have the best rate selection. A few companies do not offer the ability to get a quote online and many times these smaller providers sell through independent insurance agents.

For more information, take a look at the resources below:

• How do I File a Claim? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Choosing a Car for Your Teen (State Farm)