Lower Your 1999 Chrysler Cirrus Insurance Cost

Searching for the cheapest auto insurance rates for your Chrysler Cirrus? Locating the cheapest insurance for a new or used Chrysler Cirrus can be difficult, but you can use the following methods and make it easy. There is a better way to shop for auto insurance so you’re going to learn the best way to price shop coverage on a Chrysler and locate the lowest possible price from local insurance agents and online providers.

Finding affordable coverage is not rocket science. If you are insured now or need a new policy, you can use this information to reduce the price you pay and still get good coverage. Consumers just need to know how to get comparison rates online.

Insurance policy discounts you can’t miss

Not many people think insurance is cheap, but there may be some discounts to cut the cost considerably. Many discounts should be triggered when you get a quote, but some must be asked for prior to receiving the credit.

• Low Mileage Discounts – Driving less may enable drivers to earn substantially lower insurancerates.
• Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations could earn you a nice discount when getting a insurance coverage quote.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
• Full Payment Discount – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
• Anti-lock Brakes – Cars that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Multi-Vehicle Discounts – Buying a policy with multiple vehicles on the same insurance policy could earn a price break for each car.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay less in comparison to accident-prone drivers.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

Companies that have these money-saving discounts include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

When quoting, ask all companies you are considering which discounts they offer. Some discounts listed above may not be offered in your area. To see insurance companies who offer discounts, follow this link.

You can change your insurance rates

Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although others are not as apparent such as your credit history or how safe your car is.

The items below are some of the factors used by companies to determine your rate level.

• More stress means more cost – Did you know your job can affect your rates? Occupational choices like lawyers, architects and accountants tend to have higher premium rates because of high stress levels and long work days. On the flip side, jobs like actors, historians and retirees pay lower than average rates for Cirrus coverage.
• Costs can change based on your address – Living in small towns and rural areas can be a good thing when trying to find low car insurance rates. Lower population means reduced accidents as well as less vandalism and auto theft. People who live in big cities regularly have more auto accidents and higher rates of accident claims. More time commuting translates into higher accident risk.
• Annual mileage and car insurance premiums – The more you drive every year the higher your rates will be. Almost all companies calculate rates based on how the vehicle is used. Vehicles that do not get driven very much receive better premium rates compared to those used for work or business. Incorrect rating for your Cirrus may be wasting your money. It’s a good idea to make sure your car insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
• Do thieves like your car? – Selecting a car model that has an advanced theft prevention system can help bring down rates. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your car from being stolen.
• Vehicles with better crash test results cost less to insure – Cars with high safety ratings get lower rates. These vehicles protect occupants better and fewer injuries means lower claim amounts and thus lower rates. If the Chrysler Cirrus earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Multiple policies with one company can save – Most companies will give better rates to customers that buy multiple policies, otherwise known as a multi-policy discount. Even with this discount applied, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. It’s possible to still find a better deal even if you insure with multiple companies
• Maintain car insurance coverage – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance expire. Not only will you pay more, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

Insurance agents can help

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• What is roadside assistance coverage?
• Does my insurance cover my expensive audio equipment?
• What can I do if my company denied a claim?
• Who is covered when they drive my 1999 Chrysler Cirrus?
• What is the rate difference between pleasure use and commuting?
• Do I have coverage if my license is suspended?
• Does liability extend to a camper or trailer?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Chrysler Cirrus.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for EMT expenses, prosthetic devices, rehabilitation expenses, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer, rock chips in glass and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

This protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as legal defense fees, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your Cirrus caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Take this to the bank

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

People change insurance companies for a variety of reasons including being labeled a high risk driver, poor customer service, extreme rates for teen drivers or lack of trust in their agent. Whatever your reason, finding a great new company can be easy and end up saving you some money.

Lower-priced auto insurance is definitely available from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide rates over the internet and most of the time these small, regional companies only sell coverage through independent insurance agencies.

For more information, feel free to visit the following helpful articles:

• Rental Car Insurance Tips (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Event Data Recorders FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)