Compare 2003 Chrysler Town and Country Insurance Rates

Comparison shopping for more affordable insurance is a challenge for beginners to quoting coverage prices online. With such a big selection of agents and insurance companies available, it can be a ton of work to find better prices.

It’s a great practice to compare premium rates yearly because insurance prices are constantly changing. Just because you had the lowest price for Town and Country insurance last year there is a good chance you can find better rates now. Block out anything you think you know about insurance because you’re about to find out the best way to find great coverage at a great price.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Shopping for affordable car insurance is simple if you know the tricks. But car owners must understand how big insurance companies market insurance on the web and take advantage of how the system works.

The Chrysler Town and Country insurance price equation

Many different elements are used in the calculation when you get a price on insurance. Some are obvious such as traffic violations, but other criteria are not quite as obvious like your continuous coverage or your financial responsibility.One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that are used to determine your premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could help you find lower rates.

The following are a partial list of the pieces companies use to determine your rate level.

• Better rates with anti-theft devices – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help stop car theft.
• Cheaper prices for prior coverage – Driving any period of time without insurance is illegal and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a license revocation or jail time. You may then have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Policy add-ons could be costing you – There are a ton of extra add-on coverages that can add up if you aren’t diligent. Coverages like rental car reimbursement, accident forgiveness, and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.
• Males are more aggressive – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Both genders cause at-fault accidents at about the same rate, but men have costlier accidents. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Teenage male drivers have the highest risk to insure and thus pay the highest rates.
• High deductibles lower prices – Physical damage deductibles define the amount the insured will be required to pay before a claim is paid by your company. Physical damage protection, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered would be collision with another vehicle, vandalism, and damage from wind. The more you choose to pay out-of-pocket, the less your company will charge you for insurance for Town and Country insurance.
• Long commutes cost more – Driving more miles annually the more it will cost to insure it. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars that are left in the garage qualify for better rates compared to those used for work or business. Double check that your declarations sheet shows the correct usage for each vehicle, because it can save money. Having the wrong rating on your Town and Country can cost quite a bit.
• Protect yourself with liability – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are found liable for causing personal injury or damage in an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
• Being married is a good thing – Walking down the aisle can get you a discount when buying insurance. Marriage is viewed as being more stable financially and it’s proven that drivers who are married file infrequent claims.

How to compare free insurance rate quotes

Performing a rate comparison can be exhausting if you don’t understand the most efficient way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to get prices fast.

All the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and at least one company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions to each individual insurance company. To participate in this free quote system, click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose the companies to receive prices from. So if you prefer to pick specific insurance companies for rate comparison, we have a listing of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, do your best to use the exact same quote information with each company. If your comparisons have different liability limits it will be very difficult to make an equal comparison. Just slight variations in coverages could throw off the whole comparison. And when comparison shopping, comparing more company’s prices provides better odds of finding the best price.

Lower rate quotes by taking advantage of discounts

Car insurance can cost a lot, but you may qualify for discounts to help bring down the price. Certain discounts will be applied when you get a quote, but a few need to be manually applied prior to getting the savings.

• Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
• Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for Town and Country insurance depending on your auto insurance provider.
• Good Driver Discounts – Accident-free drivers may receive a discount up to 45% for Town and Country insurance than their less cautious counterparts.
• Include Life Insurance and Save – Larger auto insurance companies have a small discount if you purchase some life insurance too.
• Service Members Pay Less – Being deployed with a military unit can result in better auto insurance rates.
• No Charge for an Accident – Not a discount per se, but certain companies permit an accident without getting socked with a rate hike so long as you are claim-free before the accident.
• Low Miles Discount – Driving fewer miles may allow you to get lower premium rates on the low mileage vehicles.
• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your insurance quote.

Remember that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

To choose providers with discount rates, click here to view.

How much car insurance do I need?

When choosing adequate coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether or not you will benefit from professional help.

• I don’t drive much so do I pay less?
• Do I have any recourse if my insurance company denies a claim?
• When should I not file a claim?
• Are there companies who specialize in insuring high-risk drivers?
• Can I afford to pay high deductible claims out of pocket?
• Is my ex-spouse still covered by my policy?
• I have health insurance so do I need medical payments coverage?
• Who is covered by my policy?
• Why am I required to buy liability insurance?
• What are the best liability limits?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Insurance coverages 101

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, rock chips in glass, damage from flooding, damage from a tornado or hurricane and falling objects. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2003 Chrysler Town and Country.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for nursing services, surgery, EMT expenses, funeral costs and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision – Collision coverage covers damage to your Town and Country caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like funeral expenses, emergency aid, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Be a Smart Shopper

You just learned quite a bit of information on how to shop for 2003 Chrysler Town and Country insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap insurance. You may even find the best prices are with a smaller regional carrier.

Insureds switch companies for any number of reasons including delays in paying claims, extreme rates for teen drivers, lack of trust in their agent and denial of a claim. No matter why you want to switch, finding a new insurance coverage company is not as hard as you think.

The cheapest 2003 Chrysler Town and Country insurance can be purchased on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not have the ability to get a quote online and usually these small insurance companies only sell coverage through local independent agencies.

More tips and info about insurance coverage can be read by following these links:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Understanding Your Insurance Deductible (Insurance Information Insitute)