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.
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.
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:
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.
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.
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.
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.
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.
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:
Thurman Cote
Why are claims settled so low?
Charisse Huber
1999 Chrysler Cirrus + 21st Century = CHEAP! At least inMaine anyway.
Phoebe Villarreal
I’ve had 21st Century for years. I’m in Indianapolis, IN.
Kristyn Battle
I live just outside Virginia Beach, VA. Got prices from AAA, Nationwide, and a few others for my Chrysler and I think I saved about $30 each month. Was with Travelers. Full coverage costs too much.
Laree Griffin
Got pretty cheap 1999 Chrysler Cirrus insurance from Progressive in Philadelphia, PA.
Chiquita Espinoza
From northwest of Honolulu, Hawaii. Received rates from Progressive, Amica, Farmers, and Hartford for my Cirrus and I think I saved about $30 each month. Was with Hartford. It never hurts to quote around.
Cristin Dennis
Anyone buy from American Family? I’m in Madison, Wisconsin.
Joan Floyd
I’m in the east part of Cedar Rapids, Iowa. Quoted with Auto-Owners, Safeco, and a few others for my Chrysler and I think I cut my rates about $20 each month. A clean driving record helps. Book value doesn’t justify full coverage anymore.
Cinthia Hernandez
I compared a lot of rate quotes for a 1999 Chrysler Cirrus in Idaho Falls, Idaho. Ended up at right around $70 every six months with American Family. My new agent seems to be really good. It’s too old for full coverage.
Berry Burgess
I can’t pay high rates. I’m just east of Los Angeles, CA. I compared lots of rates. Saved right around $20 a month. 21st Century was the most affordable for me. I’m a pretty low risk driver. Full coverage costs too much.