Compare 1996 Chrysler Town and Country Car Insurance Quotes

Getting lower-cost auto insurance might appear impossible for drivers who are beginners to quoting and comparing rates on the internet. Because there are so many insurance companies available, how can you effectively compare every possible option in order to find the lowest price available?

Cheapest insurance coverage rate quotes

Most major insurance companies allow you to get coverage price quotes from their websites. Comparing prices online is pretty painless as all you need to do is type in the amount of coverage you want into a form. Behind the scenes, the quote system gets your driving and credit reports and provides a quote based on these and other factors.

This helps simplify price comparisons, but having to visit several different sites and complete many quote forms is a big time waster. But it’s very important to compare as many rates as possible in order to get the lowest price.

The quickest way to compare insurance coverage pricing is to use a quote form that analyzes rates from many companies. It saves time, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, it gets priced and you are able to buy any of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. It takes less than 15 minutes and may result in a nice savings.

To save time and compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input the coverage information exactly as shown on your declarations page. This helps ensure you will have a price comparison for exact coverage.

Discount insurance quotes

Car insurance companies don’t list every possible discount very clearly, so below is a list both the well known and also the more inconspicuous credits available to you.

• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
• No Charge for an Accident – Not necessarily a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
• Responsible Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates on Town and Country insurance compared to accident prone drivers.
• Senior Discount – Drivers that qualify as senior citizens may receive better insurance rates on Town and Country insurance.
• Use Seat Belts – Requiring all passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
• Distant Student – Children who attend college more than 100 miles from home and leave their car at home can receive lower rates.
• Drive Less and Save – Maintaining low annual mileage may allow you to get slightly better insurancerates than normal.
• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
• Good Students Pay Less – Excelling in school may save you up to 25%. You can use this discount normally up until you turn 25.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free insurance policy, companies don’t profit that way. But all discounts will reduce your policy premium.

If you would like to view providers with discount rates, click here to view.

How to lower your insurance costs

Lots of things are part of the equation when premium rates are determined. Most are fairly basic like your driving record, although some other factors are less apparent like your vehicle usage or how safe your car is.

• Where do you drive? – The more you drive your Chrysler each year the more it will cost to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles that sit idle most of the time can be on a lower rate level than those that get driven frequently. Ask your agent if your auto insurance coverage correctly shows the correct usage for each vehicle. An improperly rated Town and Country can cost quite a bit.
• Compare rates if you combine your policies – Most major auto insurance companies will give better rates to people who buy several policies from them. It’s known as a multi-policy discount. The discount can be 10 percent or more. If you currently are using one company, it’s still a good idea to comparison shop to guarantee you are still saving the most.There is a chance you can find a better deal even if you have your coverage with different companies
• Cautious drivers pay the best costs – Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Having a single moving violation may cause rates to rise by twenty percent. Drivers who have received careless citations such as DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state’s licensing department in order to continue driving.
• Liability insurance is critical – Liability coverage provides coverage if ever a jury decides you are liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense to defend your case. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
• Your career may increase premiums – Careers such as military personnel, business owners and medical professionals generally pay higher average rates due to intense work situations and long work days. Other occupations such as actors, students and the unemployed generally pay rates lower than average on Town and Country insurance.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

• What can I do if my company won’t pay a claim?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need to file an SR-22 for a DUI in my state?
• Does my medical payments coverage pay my health insurance deductible?
• Should I carry comprehensive and collision coverage?
• What is the ISO rating for a 1996 Chrysler Town and Country?
• Are my tools covered if they get stolen from my vehicle?
• Does my car insurance cover rental cars?
• I don’t drive much so do I pay less?
• What is roadside assistance coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Truth in insurance advertising

Well-known insurance companies like State Farm, Allstate and Geico endlessly run television and radio advertisements. They all have a common claim about saving some big amount if you switch to them. That’s great but how can every company offer drivers better rates? It’s all in the wording.

All the different companies have specific characteristics for the type of driver that will not have excessive claims. One example of a desirable insured could possibly be over the age of 35, owns a home, and drives a safe vehicle. Any driver that hits that “sweet spot” receive the lowest rate quotes and most likely will cut their rates substantially.

Insureds who don’t qualify for these standards will probably have to pay higher prices and this results in the prospect going elsewhere. The trick is to say “drivers who switch” but not “all drivers who get quotes” save the amount stated. This is how companies can advertise the way they do. Because of this risk profiling, you really need to compare rate quotes every year. It’s just too difficult to predict the company that will provide you with the cheapest car insurance rates.

Car insurance 101

Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as pain medications, X-ray expenses, doctor visits, rehabilitation expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability – Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, medical services, structural damage and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Town and Country caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, hitting a mailbox, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from getting keyed and damage from flooding. 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 it’s probably time to drop comprehensive insurance.

The bottom line

Budget-conscious 1996 Chrysler Town and Country insurance can be sourced from both online companies and from local insurance agents, so you need to shop auto insurance with both to get a complete price analysis. Some companies may not provide price quotes online and these small insurance companies only sell coverage through independent insurance agencies.

In this article, we covered a lot of ways to save on 1996 Chrysler Town and Country insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

People who switch companies do it for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, delays in responding to claim requests and unfair underwriting practices. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

Even more information can be read in these articles:

• Teen Driving and Texting (State Farm)
• Think You’re a Safe Driver? (State Farm)
• Determing Auto Insurance Rates (Geico)
• Safety Belts FAQ (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)