2000 Chrysler Voyager Insurance Quotes – 5 Ideas for Cheaper Rates

Looking for better auto insurance rates for your Chrysler Voyager? Getting the lowest price auto insurance is overwhelming for consumers who are beginners to quoting and shopping for insurance on the web. Because there are so many companies, how can you have time to compare all the different companies and get better prices?

It’s a great practice to get comparison quotes quite often because auto insurance rates trend upward over time. Just because you had the lowest rate on Voyager insurance a couple years back a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the quickest way to lower your annual insurance bill.

This information will let you in on how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. But car owners can benefit by having an understanding of how insurance companies compete online because it can help you find the best coverage.

First Step: Get free insurance quotes

There are multiple methods to compare insurance quotes, but one way is less time-consuming than others. You could waste time talking to local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

All the larger companies belong to a marketplace that enables customers to enter their policy data once, and each participating company then gives them pricing. This saves time by eliminating quote forms to each individual insurance company. To compare pricing click here to open in new window.

The single downside to getting quotes like this is you don’t know exactly which companies you will receive quotes from. If you prefer to choose individual companies to compare prices, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you are using identical coverage data with every price quote. If you use different values for each quote it will be next to impossible to determine which rate is truly the best. Quoting even small variations in coverage limits may result in a large different in cost. Just keep in mind that comparing more company’s prices gives you a better chance of getting better pricing. Some insurance companies are not set up to provide prices over the internet, so it’s important to also get rates from those companies as well.

Drivers can save with these five money-saving discounts

Some providers don’t always list every available discount very clearly, so the below list has a few of the more well known and also the lesser-known credits that may apply to you.

• Low Mileage – Driving fewer miles could be rewarded with better premium rates on cars that stay parked.
• Multi-car Discount – Buying a policy with multiple cars on one policy qualifies for this discount.
• Switch and Save Discount – Some insurance companies give discounts for renewing your policy before your current policy expires. This discount can save up to 10%.
• Service Members Pay Less – Being deployed with a military unit could qualify you for better rates.
• Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.

Don’t be surprised that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, you’re out of luck.

Insurance companies that may offer policyholders these benefits possibly include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

Double check with each company or agent what discounts are available to you. All car insurance discounts may not apply in your area.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

• When would I need rental car insurance?
• Which companies will insure high-risk drivers?
• Should I bundle my homeowners policy with my auto?
• Is borrowed equipment or tools covered if stolen or damaged?
• How much underlying liability do I need for an umbrella policy?
• When should I buy a commercial auto policy?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chrysler Voyager.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Liability auto insurance

This will cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, EMT expenses, rehabilitation expenses, chiropractic care and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, rock chips in glass and falling objects. The highest 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.

Feed the piggy bank

When searching for affordable car insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped full coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best price.

We’ve covered some good ideas how you can reduce 2000 Chrysler Voyager insurance premium rates online. It’s most important to understand that the more companies you get prices for, the better likelihood of getting cheaper car insurance. Consumers may even find the lowest premium rates come from some of the lesser-known companies.

Some insurance providers do not provide online quoting and these small insurance companies provide coverage only through local independent agents. The cheapest 2000 Chrysler Voyager insurance is available from both online companies and from local insurance agents, and you need to price shop both to have the best selection.

More information is located below:

• State Laws for Cellphones and Texting (iihs.org)
• Teen Driving Statistics (Geico)
• Alcohol Impaired Driving FAQ (iihs.org)
• Learn About Car Insurance (Geico)
• Shopping for a Safe Car (Insurance Information Insitute)