2000 Chrysler Town and Country Car Insurance Rates – 6 Policy Discounts

Trying to find cheaper insurance rates for your Chrysler Town and Country? I can’t think of a single person who loves paying for insurance, especially when they are aware that the cost is too high. With so many insurance companies to choose from, it can be diffult for drivers to find the lowest price insurance company.

It’s a good idea to do price comparisons occasionally since insurance prices trend upward over time. Even if you think you had the lowest rate for Town and Country insurance last year there may be better deals available now. Ignore everything you know about insurance because we’re going to show you how to use the internet to find better rates and still maintain coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use these tips to get lower rates while maximizing coverage. Drivers just need to learn the tricks to compare prices online.

How much is insurance?

Performing a rate comparison can take hours if you don’t utilize the most efficient way. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many popular insurance companies belong to an insurance system where prospective buyers submit their information once, and each company returns a rated price. This eliminates the need for quotation requests to each individual insurance company.

To participate in this free quote system, click here (opens in new window).

The one downside to pricing coverage this way is that you can’t choose which companies to get quotes from. So if you prefer to choose from a list of companies to compare, we have a listing of insurance companies in your area. Click to view list.

Which method you use is up to you, but try to use apples-to-apples quote information for each comparison quote. If you use different values for each quote then you won’t be able to truly determine the lowest rate.

Well known brands might not be cheapest

Consumers can’t escape the ads that promise big savings from the likes of Allstate and Progressive. They all tend to make the same promise about how much you will save if you move to them.

But how can every company say the same thing? This is how they do it.

Insurance providers have strict underwriting profiles for the type of insured that will not have excessive claims. An example of a profitable risk profile could possibly be between 25 and 40, has a clean driving record, and drives a lower-performance vehicle. Anybody that fits those parameters will probably get cheap car insurance rates and have a good chance to cut their rates substantially.

People who don’t meet the “perfect” profile may be forced to pay higher rates which leads to the customer not purchasing. The trick companies use is to say “people who switch” but not “everyone who gets a quote” can save as much as they claim. This is how insurance companies can confidently lure you into getting a quote. Each company has different criteria, so drivers must do a price quote comparison at every renewal. It’s impossible to know the company that will have the best rates for your profile.

Insurance coverage discounts help slash rates

Auto insurance companies don’t always advertise the entire discount list very clearly, so we took the time to find some of the more common and the more hidden discounts you could be receiving when you buy auto insurance online.

• Paperwork-free – A handful of insurance coverage companies provide a small discount for signing up digitally online.
• Discount for Good Grades – Being a good student can save 20 to 25%. You can use this discount normally until age 25.
• Data Collection Discounts – Drivers who elect to allow their company to monitor their driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
• Accident Forgiveness – This isn’t a discount exactly, but companies like Geico and Allstate will turn a blind eye to one accident before your rates go up if you have no claims for a particular time prior to the accident.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
• Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates for Town and Country insurance than drivers with accidents.

Consumers should know that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, it’s just not the way it works.

To choose insurance coverage companies with significant discounts, click here.

Which is the best insurance coverage?

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

• Is motorclub coverage worth it?
• Do I need PIP coverage since I have good health insurance?
• Is business property covered if stolen from my car?
• Am I covered when driving on a suspended license?
• Should I put collision coverage on all my vehicles?
• Is a fancy paint job covered?
• What discounts do I qualify for?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Coverage specifics

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Liability coverages – Liability coverage protects you from damage that occurs to people or other property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like medical services, bail bonds and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills for things like funeral costs, pain medications, doctor visits and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, falling objects and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Chrysler Town and Country.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Final considerations

You just learned some good ideas how to lower your 2000 Chrysler Town and Country insurance rates. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small local company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Geico and State Farm.

More affordable auto insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide internet price quotes and many times these smaller providers only sell through independent insurance agencies.

As you restructure your insurance plan, do not skimp on coverage in order to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the lowest possible cost.

For more information, take a look at these articles:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Older Drivers FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)