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.
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.
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.
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.
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.
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.
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.
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.
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:
Susan Koch
I found pretty cheap rate quotes for a 2001 Chrysler Town and Country in Albuquerque, NM. Ended up at roughly $90 every six months with American Family. BTW speeding tickets are not good. It never hurts to quote around.
Rhona Carney
Cheaper car insurance is a myth. Proud to be from Springfield, Missouri. Went online for free insurance quotes for a 2001 Chrysler Town and Country. Ended up at about $90 savings annually. Went with 21st Century. I dropped full coverage awhile back.
Sherlyn Galloway
All companies are crooks. I live in a small town just outside of San Jose, CA. I quoted with 21st Century, AIG Insurance, Farmers, and The General for my Chrysler and saved around $120 a year.
Ronny Dale
Where is cheaper car insurance? Live in Baltimore, MD. I don’t recall every quote but I ended up saving about $30 each month. Hardly afford to drive anymore. I only have liability coverage on it.
Jessenia Moreno
Great site. Went with MetLife for my Town and Country and saved about $60 a year. Was with Auto-Owners. Might find lower rates online. Not worth enough to pay for comprehensive and collision.
Karrie Bailey
From north side of Hilo, HI. Got free quotes online for a 2001 Chrysler Town and Country. Ended up at about $90 savings annually. Went with State Farm. Teenage drivers are expensive!
Aubrey Meyers
Not sure what I should be paying. Quoted with Sentry for my 2001 Chrysler Town and Country and saved around $100 a year. Left The General to switch. Highly recommended.
Sunny Maxwell
Well-written and thought out article. I’m from Des Moines, Iowa. I quoted with Western Auto Insurance, AAA, The General, and Sentry for my 2001 Chrysler Town and Country and saved just over $80 a year. I have a teen driver too. It’s too old for full coverage.
Andreas Huber
Well-written and thought out article. I live in Overland Park, Kansas. Got prices from AAA, Sentry, and some smaller one I can’t remember the name of for my Chrysler and saved just over $80 a year. Have an at-fault accident tho. Wish I didn’t have to insure at all.
Sarina Lopez
Enjoyed the article. Lifelong resident of Baltimore, MD. Checked online prices for a 2001 Chrysler Town and Country. Ended up at about $100 savings annually. Went with Progressive. Insured with Liberty Mutual before. Book value doesn’t justify full coverage anymore.
Elayne Hickman
Affordable car insurance is a myth. From northwest of Jersey City, New Jersey. Quoted with AIG Insurance, MetLife, and Travelers for my Town and Country and cut my rates about $60 a year. Thankfully I have a good driving record. Online quotes are the way to go.
Minda Forbes
In Spokane, WA, AIG Insurance had the best rates for my 2001 Chrysler Town and Country. Have an at-fault accident tho.
Minna Dudley
Got pretty cheap 2001 Chrysler Town and Country insurance from Allstate in Pittsburgh, PA.
Ira Hansen
Progressive is pretty cheap in Rhode Island! :)