2006 Chrysler Town and Country Insurance Quotes – 6 Tips to Save

Searching for the cheapest insurance rates for your Chrysler Town and Country? Are you at wits end from being strong-armed to buy insurance? You’re in the same situation as many other drivers. Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

Consumers need to do rate comparisons on a regular basis due to the fact that insurance rates are variable and change quite frequently. Just because you had the best premium rates for Town and Country coverage six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re going to get a crash course in the things you must know in order to remove unneeded coverages and save money.

Six discounts for lower-cost car insurance quotes

Car insurance is expensive, but you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but a few must be specifically requested in order for you to get them.

• Low Mileage – Keeping the miles down on your Chrysler could earn slightly better rates than normal.
• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the medical payments premium.
• Driving Data Discount – Drivers that enable driving data submission to track where and when they drive by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
• Multiple Policy Discount – When you combine your homeowners and auto insurance with one insurance company you could earn a discount of at least 10% off all policies.
• Paperwork-free – Some of the larger companies may give you up to $50 for completing your application over the internet.
• Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.

Just know that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

A list of companies and some of the discounts are shown below.

• Geico may offer discounts for emergency military deployment, multi-policy, good student, five-year accident-free, and daytime running lights.
• Travelers discounts include continuous insurance, home ownership, new car, payment discounts, and good student.
• Nationwide may include discounts for accident-free, easy pay, business or organization, good student, multi-policy, and defensive driving.
• Farmers Insurance includes discounts for mature driver, alternative fuel, pay in full, distant student, early shopping, homeowner, and youthful driver.
• Esurance has savings for anti-lock brakes, defensive driver, good driver, online shopper, multi-car, and safety device.
• State Farm policyholders can earn discounts including Drive Safe & Save, defensive driving training, safe vehicle, multiple autos, and multiple policy.
• Progressive offers discounts including online quote discount, multi-policy, homeowner, online signing, multi-vehicle, and good student.
• Mercury Insurance has discounts for low natural disaster claims, ease of repair, professional/association, good driver, type of vehicle, anti-theft, and location of vehicle.

If you need low cost insurance quotes, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered in your state. If you would like to see a list of companies who offer discounts, click here to view.

Why you might not save $412 a year

Consumers can’t avoid all the ads that claim the lowest car insurance rates from the likes of Allstate, Geico and Progressive. All the companies seem to make the promise that drivers can save some big amount if you move your insurance coverage coverage to their company.

How is it plausible that every one can make the same claim? You have to listen carefully.

All companies have specific criteria for the type of driver that will be a good risk. A good example of this type of risk profile could be over the age of 45, has other policies, and drives a lower-performance vehicle. A driver that hits that “sweet spot” receive the lowest rate quotes and most likely will cut their rates if they switch.

Drivers who may not quite match those criteria will see a higher premium with the end result being the customer not purchasing. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” save that much. That’s the way companies can make claims like that.

This really illustrates why drivers must compare rate quotes every year. Because you cannot predict which insurance companies will provide the lowest car insurance rates.

You may need specialized auto insurance coverage

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

• How can I get my company to pay me more for my totalled car?
• Am I covered when driving in Canada or Mexico?
• How do I buy GAP insurance?
• What is UM/UIM insurance?
• Why do I only qualify for high-risk insurance?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Insurance for medical payments

Med pay and PIP coverage pay for bills for things like nursing services, prosthetic devices and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Town and Country.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, rock chips in glass, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage protects you from damage that occurs to people or other property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, bail bonds, funeral expenses, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Coverage for collisions

This covers damage to your Town and Country resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, damaging your car on a curb, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Be a penny pincher

In this article, we presented quite a bit of information on how to compare 2006 Chrysler Town and Country insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable insurance. Consumers may even find the most savings is with a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many cases, an insured cut full coverage to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

Cost effective 2006 Chrysler Town and Country insurance can be sourced online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not have rates over the internet and usually these small insurance companies only sell coverage through local independent agents.

More detailed auto insurance information can be found at these sites:

• Credit Impacts Car Insurance Rates (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Neck Injury FAQ (iihs.org)