2001 Chrysler Voyager Insurance Rates

Searching for lower auto insurance rates for your Chrysler Voyager? Wish you could get a refund on high-priced auto insurance? You’re preaching to the choir because many drivers have buyer’s remorse. Big-name insurance companies like State Farm and Geico continually hit you with catchy ads and it is difficult to sift through the bull and find the best price available.

You need to check auto insurance prices yearly because prices are variable and change quite frequently. Just because you found the lowest price for Voyager insurance a few years ago there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

Discounts for cheap insurance rates

Properly insuring your vehicles can get expensive, but there could be available discounts that can help lower your rates. Larger premium reductions will be automatically applied at quote time, but occassionally some discounts must be manually applied before you will receive the discount.

• Discount for Low Mileage – Keeping the miles down on your Chrysler could qualify for lower insurancerates on the low mileage vehicles.
• Clubs and Organizations – Joining specific professional or occupational memberships or organizations could trigger savings on insurance.
• Safety Course Discount – Taking part in a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
• Claim-Free Discount – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
• Mature Driver Discount – Drivers over the age of 55 may receive reduced rates for Voyager insurance.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
• Telematics Data Discounts – Drivers that enable driving data collection to track driving manner by using a telematics device such as Progressive’s Snapshot could save a few bucks if they have good driving habits.
• Homeowners Pay Less – Owning a house can save a few bucks because owning a home is proof that your finances are in order.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

A few companies that may offer quotes with many of the previously listed discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When comparing rates, check with each company or agent how many discounts you can get. Depending on the company, some discounts might not apply in your area.

Compare auto insurance rates

Lowering your 2001 Chrysler Voyager auto insurance rates can be relatively painless. Consumers just need to take the time getting comparison quotes from different insurance companies. This can be done by using one of the methods below.

1. One of the best ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating multiple quote forms for every prospective company. One form gets insurance cost estimates from auto insurance companies with the best prices.
2. A more difficult way to get quotes online requires visiting the website for each individual company and get a separate price quote. For example, let’s say you want to view quotes from Geico, Allstate and Farmers. In order to get each rate, you would have to go to every website to enter your coverage information, which is why first method is reommended.

   For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you compare the exact same quote data on every quote. If your comparisons have mixed coverages you can’t possibly determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight whether or not you could use an agent’s help.

• At what point should I drop full coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Is my 2001 Chrysler Voyager covered for flood damage?
• What is medical payments coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Does having multiple vehicles earn me a discount?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Collision protection

Collision coverage pays for damage to your Voyager resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, colliding with a tree, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance

Med pay and PIP coverage pay for expenses like nursing services, X-ray expenses and pain medications. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability auto insurance

This can cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses, attorney fees, emergency aid and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t break the bank

In this article, we presented a lot of information how to get a better price on 2001 Chrysler Voyager insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest premium rates are with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time that it was a big error on their part. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

More tips and info about insurance can be found in the articles below:

• Credit Impacts Car Insurance Rates (State Farm)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Insitute)