2002 Chrysler Town and Country Insurance Quotes – 10 Tips to Save

Trying to find the cheapest insurance rates for your Chrysler Town and Country? Are you burned out from wondering where the money will come from to keep your car insured? You are no different than most other vehicle owners. Many insurers compete for your hard-earned dollar, so it’s not easy to compare every provider and get the best coverage at the lowest rate possible.

It is always a good idea to price shop coverage once or twice a year because insurance prices are rarely the same from one policy term to another. Even if you got the best rate on Town and Country coverage two years ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the best way to get good coverage at a lower rate.

If you have insurance now or need a new policy, you will benefit by learning to find better prices while maximizing coverage. Choosing the best insurance company for you is not that difficult. Drivers just need to know the best way to shop their coverage around on the web.

Compare auto insurance quotes online

Effectively comparing auto insurance prices can take hours if you don’t know the easiest way. You can spend countless hours talking about coverages with insurance agencies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most major companies are enrolled in a marketplace where prospective buyers submit one quote, and at least one company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to pricing coverage this way is that you can’t choose which carriers to get pricing from. If you prefer to choose specific providers to compare rates, we have a page of companies who write auto insurance in your area. Click here to view list.

The approach you take is up to you, just ensure you are comparing identical deductibles and coverage limits with every price quote. If each company quotes different deductibles you will not be able to find the best deal for your Chrysler Town and Country.

Insurance quotes and discounts

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so the below list has a few of the more common in addition to some of the lesser obvious credits that may apply to you. If you don’t get every credit available, you’re paying more than you need to.

• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with cheaper insurancerates.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• Discounts for Cautious Drivers – Insureds without accidents could pay up to 40% less on Town and Country coverage as compared to drivers with claims.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• 55 and Retired – Older drivers can possibly qualify for a small discount on rates on Town and Country coverage.
• Resident Student – Youth drivers who attend college more than 100 miles from home and do not have a car may qualify for this discount.
• Bundled Policy Discount – If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
• Save with a New Car – Buying a new car instead of a used car is cheaper since new vehicles are generally safer.
• Good Student Discount – Getting good grades can save 20 to 25%. You can use this discount normally well after school through age 25.
• Defensive Driver – Participating in a class that teaches defensive driving techniques could save 5% or more if your company offers it.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

Some companies that possibly offer some of the discounts shown above possibly include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you need cheaper auto insurance quotes, ask every insurance company which discounts you qualify for. Some credits may not apply to policyholders in your area. For a list of providers offering insurance discounts, follow this link.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if you might need professional guidance.

• Does coverage extend to my business vehicle?
• How can I get my company to pay me more for my totalled car?
• How does medical payments coverage work?
• Does insurance cover tools stolen from my truck?
• Does my car insurance cover rental cars?
• Is my cargo covered for damage or theft?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects, bail bonds, medical expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, scraping a guard rail, colliding with a tree, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Quote often and quote early

Low-cost 2002 Chrysler Town and Country insurance is attainable both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get quotes online and many times these regional carriers work with independent agents.

You just learned quite a bit of information on how to compare 2002 Chrysler Town and Country insurance premium rates online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

More detailed car insurance information can be found in these articles:

• How to Avoid Staged Accidents (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Comprehensive Coverage (Liberty Mutual)