2004 Chrysler Sebring Car Insurance Quotes

Are you a victim of overpriced insurance? Believe me when I say many drivers have buyer’s remorse.

Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurance company to find the lowest rate possible.

How much does insurance coverage cost?

To get the cheapest insurance coverage quotes, there a variety of ways to compare quotes from lots of insurance coverage companies. The recommended way to comparison shop is to use the internet to compare rates. This can be accomplished in several different ways.

1. If you are pressed for time, the simplest way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do boring form submissions for each price estimate. Just one form gets prices estimates direct from many companies.
2. A harder way to compare prices requires you to visit the website for every company you want to comare to request a price quote. For sake of this example, let’s assume you want to compare prices for Farmers, Geico and Allstate. You would have to spend time going to each site individually and punch in your information repeatedly, which can get rather old.

   To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering identical deductibles and coverage limits with each company. If you enter different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Slightly different coverage limits may cause a big price difference. Just remember that quoting more gives you a better chance of getting lower pricing.

Take policy discounts and save

Companies offering auto insurance don’t list all possible discounts in an easy-to-find place, so we break down both the well known and the more hidden discounts you could be receiving when you buy insurance coverage online.

• Student in College – Any of your kids who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
• Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars or trucks with the same car insurance company may reduce the rate for each vehicle.
• Accident Forgiveness Coverage – but a few companies such as Geico, Allstate and Liberty Mutual allow you one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
• Online Discount – Certain insurance companies may give you up to $50 simply for signing on the web.
• No Accidents – Insureds who avoid accidents and claims pay less as opposed to frequent claim filers.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

A partial list of companies that may offer quotes with these discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you want low cost insurance coverage quotes, ask each company how many discounts you can get. Discounts might not be offered on policies in your area. To locate insurance companies that offer discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover whether you could use an agent’s help.

• Is a blown tire covered by insurance?
• Does insurance cover tools stolen from my truck?
• How do I buy GAP insurance?
• Should I have a commercial auto policy?
• Should I file a claim if it’s only slightly more than my deductible?
• Is there coverage for injuries to my pets?
• Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

The coverage is in the details

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like doctor visits, ambulance fees, chiropractic care and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2004 Chrysler Sebring.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, attorney fees, emergency aid, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your Sebring from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, rock chips in glass and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Never pay more for less

Throughout this article, we presented quite a bit of information on how to reduce 2004 Chrysler Sebring insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even find the most savings is with a small mutual company. Smaller companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive and Geico.

Cheap 2004 Chrysler Sebring insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide online price quotes and most of the time these regional insurance providers provide coverage only through independent agents.

Additional resources

• Older Driver Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Auto Insurance 101 (About.com)
• What does Personal Injury Protection (PIP) Cover? (Allstate)