How Much Does 1999 Chrysler LHS Insurance Cost?

Did budget coverage turn out to be an expensive auto insurance policy? Say no more because you’re not alone. You have so many car insurance companies to buy insurance from, and although it’s nice to be able to choose, more options can take longer to adequately compare rates.

Consumers should take time to compare premium rates before your policy renews because insurance prices trend upward over time. Just because you found the best quotes on LHS insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you one of the quickest ways to save money, get proper coverage and the best rates.

Finding affordable coverage is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using these methods. Consumers just need to understand how to compare company rates online.

Quote insurance online

There are several ways to shop for insurance, but one way is less time-consuming than others. You could spend your day driving to agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace where prospective buyers complete one form, and at least one company can provide price quotes based on that data. This saves time by eliminating form submissions to every company. To compare pricing click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which providers to get quotes from. So if you want to choose specific providers for rate comparison, we have a listing of insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you compare identical quote information for each comparison quote. If you compare different deductibles it will be impossible to truly determine the lowest rate.

Brand name doesn’t guarantee savings

Drivers can’t get away from ads for the lowest price auto insurance by companies like State Farm, Allstate and Geico. All the companies advertise the message about saving some big amount if you move your policy.

How does every auto insurance company make almost identical claims? It’s all in the words they use.

All the different companies quote their best rates for the type of driver they prefer to insure. One example of a profitable insured might have to be over the age of 40, has never had a claim, and drives less than 7,500 miles a year. Any person who matches that profile receives the best rates and will also save a lot if they switch.

Potential insureds who fall short of those criteria will probably be forced to pay higher premium rates and ends up with business not being written. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save the amount stated. That’s why companies can truthfully state the savings. Different companies use different criteria so it’s extremely important to compare many company’s car insurance rates. Because you cannot predict the company that will fit your personal profile best.

Get cheap insurance premiums by understanding these factors

Lots of things are part of the equation when quoting car insurance. Most are fairly basic like your driving record, although some other factors are more obscure like your vehicle usage or your commute time.

The list below includes some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.

• Prevent theft and reduce premiums – Buying a car with advanced anti-theft systems can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.
• Drivers with good credit save on insurance coverage – A driver’s credit score can be a huge factor in calculating your premium rate. Consumers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit scores. If your credit rating is lower than you’d like, you could be paying less to insure your 1999 Chrysler LHS by improving your credit score.
• Pleasure use or commuting – The more you drive annually the more you will pay for insurance coverage. A lot of companies rate vehicles based upon how much you drive. Cars and trucks that do not get driven very much can be on a lower rate level than those used for commuting. A policy that improperly rates your LHS may be costing you. It’s a smart idea to ensure your insurance coverage policy correctly shows how each vehicle is driven, because it can save money.
• Getting married equates to better costs – Getting married may save some money when buying insurance coverage. Having a significant other demonstrates that you tend to be more mature and statistics prove married couples file fewer claims.
• Liability insurance safeguards assets – Your policy’s liability coverage is the coverage that protects you if ever a court rules you are at fault for physical damage or personal injury to other. It will provide for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Low stress job equals lower insurance coverage rates – Careers like judgesair traffic controllers and emergency personnel generally pay the highest average rates attributed to stressful work requirements and extremely grueling work hours. On the other hand, occupations like professors, engineers and the unemployed receive lower rates on LHS insurance.
• Safer vehicles lower premiums – Vehicles that have high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce injuries and fewer injuries translates into savings for insurance companies and lower rates for you.
• Companies want multiple policies – Many insurers allow a discount to clients who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to check prices from other companies to make sure you are getting the best deal. It’s possible to still find better rates even if you insure with multiple companies

Lower rate quotes with discounts

Some insurers don’t always list every available discount very well, so here is a list both well-publicized and also the lesser-known discounts that may be available.

• Distant Student Discount – who live away from home to go to college and do not have a car may qualify for this discount.
• Telematics Devices – Insureds that choose to allow their auto insurance company to spy on when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
• Drive Safe and Save – Drivers without accidents can save as much as half off their rates on LHS insurance as compared to drivers with claims.
• Own a Home and Save – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Pay Early and Save – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.

As a sidenote, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts will definitely reduce the cost of coverage.

Companies and the discounts they provide are detailed below.

• Travelers has discounts for driver training, hybrid/electric vehicle, early quote, save driver, home ownership, multi-car, and student away at school.
• 21st Century offers premium reductions for air bags, student driver, teen driver, homeowners, defensive driver, 55 and older, and automatic seat belts.
• State Farm discounts include good driver, Steer Clear safe driver discount, accident-free, student away at school, safe vehicle, multiple autos, and driver’s education.
• Geico may have discounts that include air bags, seat belt use, defensive driver, five-year accident-free, good student, and multi-vehicle.
• SAFECO may include discounts for anti-lock brakes, bundle discounts, multi-car, accident prevention training, homeowner, anti-theft, and drive less.
• AAA includes discounts for good driver, good student, education and occupation, AAA membership discount, and pay-in-full.

If you need affordable auto insurance quotes, ask each insurance company which credits you are entitled to. Savings might not be available to policyholders in your area. If you would like to see a list of auto insurance companies with discount auto insurance rates, follow this link.

What is the best car insurance coverage?

When it comes to buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether or not you may require specific advice.

• Is my teen driver covered when they drive my company car?
• What is an SR-22 filing?
• Is extra glass coverage worth it?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does medical payments coverage apply to all occupants?
• Am I covered when pulling a rental trailer?
• Can my babysitter drive my car?
• What if I owe more than I can insure my car for?
• Do I really need UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Auto liability insurance

This can cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like pain and suffering, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1999 Chrysler LHS.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, theft, damage from flooding and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills like chiropractic care, pain medications and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your LHS resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, rolling your car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

In the end, you save

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Throughout this article, we presented quite a bit of information on how to lower your 1999 Chrysler LHS insurance prices. The key thing to remember is the more you quote auto insurance, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

More detailed auto insurance information is available by following these links:

• Side Impact Crash Tests (iihs.org)
• Vehicle Insurance (Wikipedia)
• Rental Reimbursement Coverage (Allstate)
• Auto Insurance FAQ (Farmers Insurance)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Get the Right Protection (InsureUonline.org)