2000 Chrysler Concorde Car Insurance Quotes – 9 Tips for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Chrysler Concorde? Do you get exhausted from sacrificing other expenses to buy auto insurance? You are in the same boat as most other people. Big-name insurance companies like Progressive, State Farm and Geico persitently shower you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have insurance now or are looking for a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is quite easy. Vehicle owners just need to learn the best way to shop online.

Get lower rates by taking advantage of these nine discounts

Companies that sell car insurance don’t always advertise every possible discount very clearly, so the below list has some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

• Discount for Life Insurance – Larger insurance companies have lower insurance coveragerates if you buy some life insurance in addition to your auto policy.
• Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
• Professional Organizations – Being in certain professional organizations can get you a small discount on your policy.
• Accident Waiver – This isn’t a discount exactly, but companies like Geico, Progressive, and Allstate allow you one accident before raising your premiums if you are claim-free prior to the accident.
• Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
• Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car can be insured at a reduced rate.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
• Federal Government Employee – Active or former government employment could qualify for a slight premium decrease on Concorde coverage with certain companies.
• Homeowners Savings – Being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.

Please keep in mind that many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will lower the premium cost.

A list of companies and a summarized list of policyholder discounts are:

• AAA may have discounts that include education and occupation, multi-car, pay-in-full, AAA membership discount, multi-policy, good driver, and good student.
• Progressive offers discounts for good student, multi-policy, homeowner, online quote discount, multi-vehicle, online signing, and continuous coverage.
• State Farm policyholders can earn discounts including anti-theft, student away at school, passive restraint, driver’s education, good student, and multiple policy.
• Esurance discounts include multi-policy, anti-theft, claim free, multi-car, and emergency road assistance.
• Nationwide has savings for defensive driving, business or organization, anti-theft, good student, multi-policy, family plan, and Farm Bureau membership.

Before buying, ask all companies you are considering the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. To view insurers who offer cheap insurance coverage quotes, click this link.

How to compare auto insurance quotes

Lowering your 2000 Chrysler Concorde auto insurance rates is not rocket science. The only thing you need to do is spend a few minutes to compare rate quotes to find. You can get a good selection of rate quotes in a couple of different ways.

The fastest way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This quick form eliminates the need for repetitive form entry for each price estimate. One form will get you rate comparisons instantly.

A more difficult way to get comparison quotes requires a trip to each company website and request a quote. For examples sake, let’s say you want comparison quotes from State Farm, Progressive and Geico. In order to get each rate, you would have to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using the same information with every price quote. If the quotes have higher or lower deductibles then you won’t be able to find the best deal for your Chrysler Concorde.

How much car insurance do I need?

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining if your insurance needs might need professional guidance.

• Can I afford to buy a different vehicle if my 2000 Chrysler Concorde is totaled?
• Do I need replacement cost coverage?
• Is business property covered if stolen from my car?
• Are rock chip repairs covered?
• When should I drop full coverage on my 2000 Chrysler Concorde?
• Why am I required to buy liability insurance?
• Am I covered if I drive in a foreign country?
• What is roadside assistance coverage?
• Does coverage extend to Mexico or Canada?
• How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider 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 is quick, free and can provide invaluable advice.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Liability

Liability coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, medical services, pain and suffering, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, rehabilitation expenses, surgery and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2000 Chrysler Concorde.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

A fool and his money are soon parted

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There have been many situations where someone dropped physical damage coverage only to discover later that it was a big mistake. Your goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Lower-priced auto insurance can be found online and from local agencies, so you need to quote car insurance with both to have the best chance of lowering rates. There are still a few companies who do not provide price quotes online and these small insurance companies prefer to sell through independent agents.

More tips and info about auto insurance is located in the articles below:

• Tools for Teen Driving Safety (State Farm)
• Property Damage Coverage (Liberty Mutual)
• Alcohol Impaired Driving FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)