2002 Chrysler Concorde Car Insurance Rates – 6 Ways to Save

Want the cheapest insurance coverage rates for your Chrysler Concorde? Tired of robbing Peter to pay Paul to insure your Chrysler every month? You have the same problem as many other consumers.

Companies like State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with ads and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

It’s important to do rate comparisons on a regular basis because prices are adjusted regularly by insurance companies. Even if you got the lowest quotes for Concorde coverage last year other companies may now be cheaper. There is too much inaccurate information about insurance coverage on the internet, but you can learn the best ways to slash your insurance coverage rates.

The cheapest insurance coverage price quotes online

Effectively comparing insurance coverage prices can be exhausting if you don’t understand the easiest way. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use online quotes to get prices fast.

Many insurance companies belong to an insurance system that enables customers to send in one quote, and each participating company returns a rated price based on the submitted data. This saves time by eliminating quote requests to each company. To fill out one form to compare multiple rates now click here to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose the providers you will receive quotes from. If you would rather choose specific providers to compare rates, we have a page of companies who write insurance coverage in your area. Click to view list.

It’s up to you which method you use, but ensure you are comparing identical coverage data for each price quote. If you enter differing limits it will be very difficult to make a fair comparison for your Chrysler Concorde. Having just a slight variation in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing all the rates in your area gives you a better chance of getting a lower rate.

Lower-cost car insurance quotes with discounts

The price of auto insurance can be rather high, but companies offer discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time you complete a quote, but a few need to be specifically requested prior to receiving the credit. If you are not receiving all the discounts available, you are not getting the best rate possible.

• Include Life Insurance and Save – Some insurance companies give a lower premium rate if you buy some life insurance in addition to your auto policy.
• Discounts for New Vehicles – Buying a new car model can get you a discount because newer models keep occupants safer.
• Professional Memberships – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a car insurance quote.
• Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Concorde coverage than drivers with accidents.
• Discount for Swiching Early – Some companies reward drivers for signing up before your current policy expires. It could save around 10% when you buy car insurance online.
• Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.

Remember that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck.

Large car insurance companies and their possible discounts are:

• State Farm includes discounts for driver’s education, student away at school, anti-theft, Steer Clear safe driver discount, multiple autos, good driver, and safe vehicle.
• Liberty Mutual offers discounts for newly married, teen driver discount, multi-policy, preferred payment discount, new vehicle discount, and new graduate.
• American Family has savings for good student, multi-vehicle, TimeAway discount, air bags, and bundled insurance.
• Progressive may include discounts for good student, online signing, homeowner, multi-policy, online quote discount, and continuous coverage.
• Farmers Insurance discounts include multi-car, pay in full, bundle discounts, homeowner, teen driver, distant student, and good student.
• Auto-Owners Insurance may have discounts that include multi-policy, group or association, anti-theft, paperless, paid in full, and company car.
• SAFECO has discounts for safe driver, teen safety rewards, drive less, anti-lock brakes, accident prevention training, and teen safe driver.

If you need lower rates, check with every company what discounts are available to you. Some discounts might not apply in your area. To see a list of insurance companies that can offer you the previously mentioned discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether you might need professional guidance.

• Is my cargo covered for damage or theft?
• Can I rent a car in Mexico?
• Do I need PIP (personal injury protection) coverage in my state?
• Does car insurance cover theft of personal property?
• Can my teen driver be rated on a liability-only vehicle?
• Should I have combined single limit or split liability limits?
• Should I bundle my homeowners policy with my auto?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is rental equipment covered for theft or damage?
• Will filing a claim cost me more?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Chrysler Concorde.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical costs insurance – Med pay and PIP coverage reimburse you for immediate expenses for dental work, X-ray expenses and surgery. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, vandalism, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage – Liability insurance can cover damage that occurs to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like funeral expenses, medical services, emergency aid and medical expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.