1998 Chrysler Cirrus Insurance Rates – 9 Policy Discounts

Nobody looks forward to paying for car insurance, particularly when the prices are way too high.

Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate

Consumers should take time to compare premium rates as often as possible because car insurance prices change regularly. Even if you got the lowest price on Cirrus insurance at your last renewal there may be better deals available now. Ignore everything you know about car insurance because I’m going to teach you the quickest way to lower your annual insurance bill.

Free auto insurance price quotes

To get inexpensive car insurance quotes, there a variety of ways of comparing rate quotes from companies that offer auto insurance in your state. The recommended way to compare 1998 Chrysler Cirrus insurance prices is to get quotes online. It’s really quite simple and can be done in several different ways.

1. The recommended way consumers can analyze rates is to use a rate comparison form click to view form in new window. This quick form prevents you from having to do repetitive form submissions to each individual auto insurance company. One simple form gets you coverage quotes from many national carriers.
2. A more time consuming way to compare prices consists of going to each company’s website to request a price quote. For instance, we’ll assume you want to see prices from Geico, Farmers and Liberty Mutual. To do that, you would have to spend time on each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes.

   To view a list of companies in your area, click here.

3. The final method of comparing rate quotes is to drive around to each insurance agency near you. Doing it all online reduces the need to sit down with an agent unless you have a complicated situation and need the advice and guidance only provided by licensed agents. It is possible with some companies get the lowest quotes online and have a local agent actually service the policy.

Which method you use is up to you, but try to keep the exact same quote data with each company. If you enter higher or lower deductibles you will not be able to truly determine the lowest rate. Even a minor difference in limits could mean much higher rates. And when price shopping your coverage, comparing a large number of companies helps improve the odds of finding a lower rate. Some companies don’t provide online rate quotes, so you need to compare rates from them as well.

Auto insurance can get complicated

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if your insurance needs could use an agent’s help.

• Am I covered if I crash into my own garage door?
• What vehicles should carry emergency assistance coverage?
• How much underlying liability do I need for an umbrella policy?
• What should my uninsured motorist coverage limits be in my state?
• Does my policy pay for OEM or aftermarket parts?
• Am I covered when driving on a suspended license?
• What discounts do I qualify for?
• Is my babysitter covered when using my vehicle?
• What if I total my 1998 Chrysler Cirrus and owe more than it’s worth?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance policy coverages for a Chrysler Cirrus

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from car insurance companies.

Liability car insurance – This can cover injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. It does not 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. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, loss of income, emergency aid, court costs and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hail damage and theft. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like nursing services, ambulance fees, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision – This covers damage to your Cirrus from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a building, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.