1999 Chrysler Town and Country Insurance Quotes – 5 Savings Tips

Paying cheaper rates for Driversauto insurance is always hard for beginners to quoting and comparing prices online. With so many insurance agents and insurers available, it can easily turn into a difficult situation to find the perfect company for you.

You need to compare premium rates at least once a year since prices change quite often. Despite the fact that you may have had the best quotes on Town and Country coverage a year ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the only way to find lower rates on auto insurance.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you should be able to save some money using these tips. Nevertheless, car owners must comprehend how insurance companies market on the web and take advantage of how the system works.

Do you qualify for discount auto insurance?

Companies that sell car insurance don’t list the entire discount list in a way that’s easy to find, so the following is a list of a few of the more well known and the more hidden discounts that you can inquire about if you buy insurance coverage online.

• Policy Bundle Discount – If you insure your home and vehicles with one insurance company you could save up to 20% off your total premium.
• Smart Student Discounts – Performing well in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• Claim-Free Discount – Claim-free drivers have much lower rates in comparison with drivers with a long claim history.
• Onboard Data Collection – Insureds that choose to allow driving data submission to spy on vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
• Distant Student – who live away from home to go to college and leave their car at home may be insured at a cheaper rate.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

A few popular companies and a selection of discounts are included below.

• Geico offers discounts including good student, military active duty, seat belt use, daytime running lights, defensive driver, emergency military deployment, and anti-lock brakes.
• Travelers includes discounts for payment discounts, hybrid/electric vehicle, new car, continuous insurance, early quote, and home ownership.
• Nationwide policyholders can earn discounts including multi-policy, business or organization, defensive driving, easy pay, Farm Bureau membership, and anti-theft.
• Farmers Insurance may include discounts for pay in full, early shopping, good student, business and professional, and electronic funds transfer.
• Esurance has discounts for online quote, paid-in-full, defensive driver, emergency road assistance, claim free, and safety device.
• State Farm discounts include multiple autos, good driver, safe vehicle, driver’s education, good student, defensive driving training, and multiple policy.
• Progressive may have discounts that include multi-policy, continuous coverage, online signing, homeowner, good student, multi-vehicle, and online quote discount.
• Mercury Insurance offers discounts for multi-policy, ease of repair, type of vehicle, good driver, and multi-car.

Double check with all the companies which discounts you qualify for. Discounts might not be available to policyholders in your area. If you would like to see a list of auto insurance companies that offer the discounts shown above, click here.

What insurance coverages do I need?

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

• Is my teenager covered with friends in the car?
• Do I pay less if my vehicle is kept in my garage?
• When would I need rental car insurance?
• Does having multiple vehicles earn me a discount?
• How do I file an SR-22 for a DUI in my state?
• Should I buy additional glass protection?
• If my pet gets injured in an accident are they covered?
• Is my Chrysler Town and Country covered if I use it for business?
• Do I need replacement cost coverage on my 1999 Chrysler Town and Country?
• Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Save $422 a year! What?

Respected companies like Allstate and Progressive endlessly run television and radio advertisements. They all seem to make the same claim that you’ll save big if you change your policy. That’s great but how can every company claim to save you money? Here is how they do it.

Many companies quote their best rates for the type of driver that will add to their bottom line. An example of this type of driver might be described as over the age of 45, has other policies, and the vehicle is rated for pleasure use. Any person who fits those characteristics will most likely get cheap premium rates and have a good chance to save when switching.

Potential insureds who don’t meet this stringent profile may be forced to pay higher rates which results in the customer buying from someone else. If you pay close attention to the ads, they say “people who switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can confidently state the savings. This really drives home the point why you should do a price quote comparison at every renewal. Because you never know with any certainty which company will give you lower premium rates than your current company.

Coverages available on your insurance policy

Knowing the specifics of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like X-ray expenses, surgery and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like medical services, repair bills for other people’s vehicles, pain and suffering and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, damage from flooding, damage from a tornado or hurricane and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chrysler Town and Country.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

A fool and his money are soon parted

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where someone dropped full coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Insureds switch companies for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, poor customer service or an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is less work than it seems.

We just presented many ways to reduce 1999 Chrysler Town and Country insurance premium rates online. The key thing to remember is the more times you quote, the better likelihood of getting inexpensive insurance coverage. Consumers could even find that the most savings is with the smaller companies.

Other information

• Rental Reimbursement Coverage (Allstate)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)