How Much Does 2001 Chrysler Concorde Insurance Cost?

Have you finally had enough of robbing Peter to pay Paul to keep your car insured? You are in the same boat as many other drivers. Having so many companies and agents to choose from, it can be challenging to pick the cheapest insurer.

It’s smart to compare prices occasionally since insurance prices are variable and change quite frequently. Even if you got the best price for Concorde coverage a couple years back you will most likely find a better rate quote today. There is a lot of bad advice regarding car insurance on the web, but in this article, you’re going to get the easiest ways to save money.

Save money with discounts

Car insurance is not cheap, but you might already qualify for some discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but once in a while a discount must be manually applied before you get the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

• Homeowners Discount – Owning your own home or condo may trigger a policy discount on auto insurance because of the fact that having a home demonstrates responsibility.
• Theft Deterent System – Cars optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Telematics Devices – Insureds that choose to allow companies to look at driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they are good drivers.
• Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
• Defensive Driver Discounts – Taking time to complete a defensive driving class may get you a small discount if you qualify.
• Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
• Multiple Cars – Drivers who insure several vehicles with one company could earn a price break for each car.
• Multiple Policy Discount – If you combine your auto and homeowners policies and place coverage with the same company you may save as much as 10 to 15 percent.
• Early Payment Discounts – By making one initial payment rather than paying in monthly installments you could save up to 5%.

Just know that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you won’t be that lucky.

Popular auto insurance companies and a selection of discounts are shown below.

• Geico discounts include membership and employees, good student, anti-theft, five-year accident-free, seat belt use, daytime running lights, and anti-lock brakes.
• USAA may include discounts for multi-vehicle, family discount, military installation, vehicle storage, and good student.
• Progressive has savings for multi-policy, homeowner, online signing, good student, multi-vehicle, and continuous coverage.
• American Family offers discounts for TimeAway discount, multi-vehicle, Steer into Savings, early bird, and accident-free.
• Esurance may offer discounts for paid-in-full, online shopper, emergency road assistance, renters, multi-car, and good student.
• Farmers Insurance has discounts for switch companies, electronic funds transfer, teen driver, mature driver, youthful driver, and alternative fuel.
• State Farm may have discounts that include good driver, multiple policy, accident-free, student away at school, driver’s education, and Drive Safe & Save.

When getting free insurance quotes, it’s a good idea to every prospective company the best way to save money. A few discounts might not be available to policyholders in your area. To locate insurance companies who offer auto insurance discounts, click here.

How to shop car insurance online

There are multiple methods to compare car insurance quotes, and some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance agencies in your area, or you could use the web for quick rates.

Most of the best insurance companies participate in a marketplace where insurance shoppers submit one quote, and at least one company then returns a price quote determined by their information. This system prevents you from having to do quote requests to every company.

To get comparison pricing now click here to start a free quote.

The one downside to doing it this way is that consumers can’t choose the companies to get pricing from. So if you want to choose specific providers to request quotes from, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, try to keep apples-to-apples coverage limits with every price quote. If the quotes have different data it will be very difficult to decipher which rate is best.

What is the best car insurance coverage?

When choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.

• Should I buy additional glass protection?
• What are the financial responsibility laws in my state?
• Should I carry comprehensive and collision coverage?
• Am I covered if I crash into my own garage door?
• Am I covered if hit by an uninsured driver?
• Can I make deliveries for my home business?
• How much liability do I need to cover my assets?
• Should I have a commercial auto policy?
• What is the difference between comprehensive and collision coverage?
• Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection 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 Chrysler Concorde.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for nursing services, dental work, X-ray expenses and surgery. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, fire damage and falling objects. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage will pay to fix damage to your Concorde resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, court costs, emergency aid, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Knowledge is power

In this article, we covered quite a bit of information on how to compare 2001 Chrysler Concorde insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest insurance. Drivers may discover the best car insurance rates are with a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate or State Farm.

The cheapest 2001 Chrysler Concorde insurance can be purchased both online as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies only sell coverage through independent insurance agents.

To read more, feel free to visit the resources below:

• Teen Driving and Texting (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)