2004 Chrysler Town and Country Insurance Rates – 9 Tips for Cheaper Quotes

Trying to find lower insurance rates for your Chrysler Town and Country? Searching for low-cost insurance for a new or used Chrysler Town and Country could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to buy insurance so we’re going to tell you the best way to compare rates on a Chrysler and locate the lowest possible price.

How to compare car insurance rate quotes

Most of the larger companies give coverage prices direct online. Doing online price comparisons is easy for anyone as you simply enter your coverage information on the page. When the form is submitted, their quoting system requests your credit score and driving record and gives you a price quote.

This simplifies rate comparisons, but having to visit different websites and type in the same data can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find the best price possible.

There is an easier way!

An easier way to compare car insurance pricing is to use a quote form that gets prices from more than one company. This type of form saves time, reduces the work, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it gets priced with multiple companies and you can pick your choice of the returned quotes. If a lower price is quoted, you can click and sign and purchase coverage. The whole process just takes a couple of minutes and may result in a nice savings.

In order to find out how much you’re overpaying now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you copy the insurance coverages as shown on your current policy. This ensures you will have an apples-to-apples comparison for exact coverage.

Save with these nine money-saving discounts

Some insurance providers don’t necessarily list all available discounts very well, so the following is a list of both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online. If you don’t get every credit available, you could be paying more than you need to.

• Discount for Home Ownership – Just owning your own home can help you save on auto insurance because maintaining a house is proof of financial responsibility.
• New Vehicle Savings – Buying auto insurance coverage on a new vehicle may earn a small discount compared to insuring an older model.
• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote compared to drivers who are more careless.
• Memberships – Affiliation with a qualifying organization could qualify you for a break when shopping for auto insurance.
• Save with More Vehicles Insured – Drivers who insure all your vehicles with one company may reduce the rate for each vehicle.
• Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
• Distant Student Discount – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
• Paper-free Discount – A handful of auto insurance companies may give you up to $50 for buying your policy digitally online.
• Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for Town and Country coverage but check with your company.

Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works. Any qualifying discounts will lower your policy cost.

A few of the larger companies and their possible discounts are:

• Geico may include discounts for air bags, membership and employees, federal employee, driver training, and defensive driver.
• Auto-Owners Insurance has discounts for safe driver, multiple vehicles, teen driver, company car, good student, safe vehicle, and group or association.
• American Family includes discounts for accident-free, Steer into Savings, good student, air bags, defensive driver, bundled insurance, and TimeAway discount.
• Esurance has savings for anti-theft, DriveSense, paid-in-full, homeowner, online quote, emergency road assistance, and safety device.
• Progressive may have discounts that include homeowner, online signing, online quote discount, multi-vehicle, good student, multi-policy, and continuous coverage.
• State Farm offers discounts including Steer Clear safe driver discount, Drive Safe & Save, driver’s education, defensive driving training, good driver, multiple autos, and accident-free.
• AAA policyholders can earn discounts including anti-theft, AAA membership discount, good student, pay-in-full, and multi-policy.

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Some discounts listed above might not be offered on policies in your state.

Do I need special coverages?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if your situation could use an agent’s help.

• I have a DUI can I still get coverage?
• Does coverage extend to Mexico or Canada?
• Will my rates increase for filing one claim?
• How many claims can I have before being cancelled?
• Are my tools covered if they get stolen from my vehicle?
• When can I cancel my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like nursing services, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as funeral expenses, repair costs for stationary objects, pain and suffering and court costs. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage covers damage to your Town and Country resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a tree branch falling on your vehicle, theft and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Feed the piggy bank

While you’re price shopping online, do not buy poor coverage just to save money. In many cases, an accident victim reduced liability limits or collision coverage only to find out that the savings was not a smart move. The goal is to buy the best coverage you can find at the best cost while still protecting your assets.

Some auto insurance companies do not offer online rate quotes and many times these smaller providers only sell through local independent agents. Affordable 2004 Chrysler Town and Country insurance is possible from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection.

Insureds switch companies for a number of reasons such as questionable increases in premium, high rates after DUI convictions, an unsatisfactory settlement offer and denial of a claim. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

Additional auto insurance information is available on the following sites:

• Auto Insurance FAQ (Farmers Insurance)
• Side Impact Crash Tests (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)