Cheap 1999 Chrysler Sebring Insurance Cost

Want cheaper insurance coverage rates for your Chrysler Sebring? Nobody likes paying for insurance coverage, especially knowing their premiums are too high. Big companies like Geico, Farmers Insurance and State Farm all promote huge savings with TV and radio ads and consumers find it hard to ignore the promise of big savings and find the best price available.

Low cost car insurance quotes

There are a variety of methods to compare car insurance prices but one way is less time-consuming than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could use online quoting to achieve your goal.

Many popular insurance companies participate in a marketplace that enables customers to submit one quote, and each company provides a quote for coverage. This prevents consumers from doing form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is that you can’t choose which providers you will receive quotes from. If you wish to select individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make sure you use identical quote data for every quote you compare. If you use different values for each quote it will be nearly impossible to make an equal comparison.

Discounts can really help lower premiums

Companies don’t always advertise all their discounts in an easy-to-find place, so the next list breaks down a few of the more well known as well as some of the hidden ways to save on insurance. If you do not double check each discount you qualify for, you are just wasting money.

• Military Deployment Discount – Having a deployed family member may lower your prices slightly.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
• Paperless Signup – Some companies may give you up to $50 for buying a policy and signing up on the internet.
• Accident Forgiveness – Not really a discount, but companies like Geico and Allstate will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Distant College Student Discount – Kids living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.
• New Vehicle Savings – Buying a new car instead of a used car can save up to 30% because new model year vehicles have to meet stringent safety requirements.
• Early Signing – A few companies give discounts for switching policies before your current coverage expires. This discount can save up to 10%.
• Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.

Don’t be shocked that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.

The best insurance companies and some of their more popular discounts include:

• Farm Bureau has discounts for driver training, good student, multi-vehicle, renewal discount, and safe driver.
• State Farm offers discounts including anti-theft, passive restraint, student away at school, multiple autos, driver’s education, and Steer Clear safe driver discount.
• Progressive policyholders can earn discounts including good student, continuous coverage, homeowner, multi-policy, and online signing.
• Allstate may have discounts that include premier plus, anti-theft, auto/life discount, good payer, and senior citizen.
• Nationwide includes discounts for anti-theft, business or organization, defensive driving, accident-free, family plan, and easy pay.
• MetLife discounts include good driver, claim-free, good student, multi-policy, and accident-free.

If you need low cost insurance coverage quotes, ask each company the best way to save money. Some discounts may not be offered in your area. To see a list of insurers who offer insurance discounts, click here to view.

Eight tips to get cheaper insurance prices

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance. If you have a feel for what impacts premium levels, this helps enable you to make changes that will entitle you to cheaper rates. Many things are considered when quoting car insurance. Some are pretty understandable such as traffic violations, although some other factors are less obvious such as your credit history or your vehicle rating.

• How your age affects premiums – Youthful drivers tend to get distracted easily with other occupants in the car and because of this, their insurance rates are much higher. Adding a beginning driver to your insurance policy can increase premiums substantially. Older drivers are shown to be more cautious, file fewer claims and receive fewer citations.
• Pay more out-of-pocket – Comprehensive and collision coverage deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Some coverage claims are rearending another vehicle, damage from fire, and damage caused by road hazards. The more the insured has to pay upfront, the bigger discount you will receive for Sebring insurance.
• Cars with good safety ratings cost less to insure – Cars with five star safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection means less claims paid and lower rates for you.
• Your job and insurance rates – Did you know your insurance rates can be affected by your occupation? Jobs such as real estate brokersairline pilots and emergency personnel have the highest average rates because of high stress and long work hours. Other jobs like farmers, historians and retirees get better rates for Sebring insurance.
• Which gender costs less? – Statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. They both have accidents in similar numbers, but guys cause more damage. Not only that, but men also get higher numbers of serious violations like reckless driving and DUI.
• Extra policy coverages can add up – Policies have additional coverages that can add up on your 1999 Sebring policy. Coverages for vanishing deductibles, high-cost glass coverage, and Farm Bureau memberships are some examples. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
• Limits of liability insurance – Your policy’s liability coverage provides coverage when you are determined to be liable for causing damage or personal injury in an accident. It provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
• Drivers with good credit save on insurance – Having a good credit score is a large factor in calculating your premium rate. So if your credit rating is low, you may save money insuring your 1999 Chrysler Sebring by spending a little time repairing your credit. Consumers who have good credit tend to file fewer claims than drivers who have worse credit.

Will just any policy work for me?

When it comes to buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• What if I owe more than I can insure my car for?
• Is my ex-spouse still covered by my policy?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I drop comprehensive coverage on older vehicles?
• Do I have newly-aquired coverage?
• What can I do if my company won’t pay a claim?
• What exactly is covered by my policy?
• Is a fancy paint job covered?
• Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Specific coverages for a 1999 Chrysler Sebring

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, theft, hail damage, a broken windshield and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical services, legal defense fees, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This coverage will pay to fix damage to your Sebring resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, damaging your car on a curb, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like surgery, ambulance fees, nursing services and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Be a penny pincher

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. Too many times, someone dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the best price, not the least amount of coverage.

There are still a few companies who do not provide online quoting and usually these small, regional companies sell through local independent agents. Budget-friendly insurance coverage can be purchased online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

We just showed you many tips how you can save on 1999 Chrysler Sebring insurance. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from an unexpected company. They may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or Geico.

Other learning opportunities

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Think You’re a Safe Driver? (State Farm)