How Much Does 2001 Chrysler Town and Country Insurance Cost?

Searching for cheaper car insurance rates for your Chrysler Town and Country? Nobody rejoices having to buy car insurance, especially when they are aware that the cost is too high. Insurance companies such as Geico and Progressive continually bombard you with advertising and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

You should make it a habit to do rate comparisons once or twice a year because rates go up and down regularly. Even if you think you had the best deal on Town and Country insurance at your last renewal you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or need new coverage, you can use these techniques to get lower rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to understand how to get comparison quotes online.

These discounts can lower your auto insurance rates

Some insurance providers don’t necessarily list every disount available very well, so the following list contains both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online. If you aren’t receiving every discount you deserve, you are paying more than you should be.

• Accident Waiver – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
• Good Students Pay Less – A discount for being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
• Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance coverage on Town and Country insurance with some auto insurance companies.
• Include Life Insurance and Save – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
• Drive Safe and Save – Drivers without accidents may receive a discount up to 45% on Town and Country insurance as compared to drivers with claims.
• Active Service Discounts – Being deployed with a military unit could qualify you for better premium rates.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% off the medical payments premium.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

Companies and a summarized list of policyholder discounts can be found below.

• Geico discounts include daytime running lights, multi-policy, military active duty, anti-lock brakes, five-year accident-free, air bags, and defensive driver.
• Travelers may include discounts for home ownership, driver training, hybrid/electric vehicle, multi-car, payment discounts, and early quote.
• Farm Bureau policyholders can earn discounts including renewal discount, good student, driver training, safe driver, youthful driver, 55 and retired, and multi-policy.
• Liberty Mutual may offer discounts for new vehicle discount, teen driver discount, exclusive group savings, multi-policy, and preferred payment discount.
• American Family includes discounts for bundled insurance, mySafetyValet, good student, TimeAway discount, accident-free, defensive driver, and good driver.
• Progressive has savings for homeowner, multi-vehicle, online signing, good student, multi-policy, and online quote discount.

Before purchasing a policy, check with each insurance company what discounts are available to you. All car insurance discounts may not be available in your area. To find insurance companies who offer discounts, click here.

Get cheap insurance premiums by understanding these factors

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. When you understand what determines premiums, this enables informed choices that can help you get cheaper rates.

• Does insurance coverage cost more for men? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn’t prove that males are worse at driving than females. Men and women have at-fault accidents in similar percentages, but the men cause more damage. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and therefore pay the highest rates.
• Use but don’t abuse your insurance – Car insurance companies give better rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended for claims that pose a financial burden.
• Safeguard your assets with liability – The liability coverage on your policy will afford coverage if you are determined to be liable for damages from an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Policy add-ons may not be needed – There are quite a few optional add-on coverages that can waste your money but may not be useful. Add-on coverages like coverage for rental cars, towing, and extra life insurance coverage may be wasting your money. They may sound like good ideas at first, but if you don’t need them think about removing them and cutting costs.
• Your vocation can affect auto insurance rates – Occupational choices like judges, architects and miners generally have higher premium rates because of intense work requirements and long work hours. Other occupations such as actors, engineers and the unemployed have the lowest average rates on Town and Country insurance.
• Good credit means lower premiums – Having a bad credit score is likely to be a major factor in determining premium rates. If your credit history can be improved, you could be paying less to insure your 2001 Chrysler Town and Country if you clean up your credit. People that have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores.
• Your location is a factor – Having an address in a rural area can be a good thing when talking about auto insurance. Less people corresponds to lower accident rates and lower theft and vandalism rates. Urban drivers have to deal with more traffic problems and higher rates of accident claims. Spending more time driving means more chance of being in an accident.

Different people need different insurance coverage coverages

When choosing adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining whether or not you will benefit from professional help.

• Am I covered if I hit my neighbor’s mailbox?
• Does medical payments coverage apply to all occupants?
• Do I need PIP coverage since I have good health insurance?
• Does my liability insurance cover pulling a trailer or camper?
• What is the rate difference between pleasure use and commuting?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my state a no-fault state?
• What if I total my 2001 Chrysler Town and Country and owe more than it’s worth?
• Do I really need UM/UIM coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, falling objects, damage from a tornado or hurricane and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage can cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, court costs and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, chiropractic care and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liablity limits.

Collision protection

Collision insurance will pay to fix damage to your Town and Country resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

In any little way, save everyday

The cheapest 2001 Chrysler Town and Country insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not offer rate quotes online and these small, regional companies prefer to sell through local independent agencies.

You just learned a lot of tips how to get a better price on 2001 Chrysler Town and Country insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the most savings is with some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability coverage limits only to regret at claim time that they should have had better coverage. Your goal is to buy a smart amount of coverage for the lowest price.

For more information, feel free to visit the resources below:

• Understanding Car Crashes Video (iihs.org)
• Teen Driving and Texting (State Farm)
• Event Data Recorders FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)