Cheaper 2007 Chrysler Sebring Insurance Quotes

Did you fall for a flashy sales pitch and buy an expensive insurance policy? Believe me when I say you’re not the only one.

Having so many options when it comes to insurance, it can be impossible to choose the best insurance company.

Use discounts to get cheaper car insurance quotes

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available to reduce the price significantly. Many discounts should be triggered when you get a quote, but occassionally some discounts must be inquired about prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you are just wasting money.

• Driving Data Discount – Drivers who elect to allow their insurance company to spy on driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they have good driving habits.
• Auto/Home Discount – If you can combine your home and auto policy with one company you could get a discount of up to 20% and get you cheap car insurance.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
• Sign Early and Save – Some insurance companies provide a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
• Distant Student Discount – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
• Safety Course Discount – Completing a course in driver safety could earn you a small percentage discount and easily pay for the cost of the class.
• Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
• Professional Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount on your policy.
• Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on Sebring coverage with some car insurance companies.

As is typical with insurance, most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.

If you would like to see a list of car insurance companies that offer some of these discounts, click this link.

Lower your insurance rates

Many factors are considered when premium rates are determined. A few of the factors are predictable such as your driving record, but others are less apparent like your vehicle usage or how safe your car is.It’s important that you understand the rating factors that go into determining the price you pay for insurance coverage. If you have some idea of what impacts premium levels, this allows you to make good choices that can earn you lower premium levels.

• Use credit responsibly and save – Having a bad credit score is a large factor in calculating your insurance coverage rates. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2007 Chrysler Sebring by improving your credit score. People with excellent credit scores tend to be less risk to insure as compared to drivers with lower ratings.
• Liability insurance is critical – Your insurance coverage policy’s liability coverage will protect you if you are responsible for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Keep insurance coverage rates low by being claim-free – Insurance companies give lower rates to drivers who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
• Pleasure use saves money – The higher the mileage driven in a year the higher your rates will be. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your insurance coverage policy properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Having the wrong rating on your Sebring is throwing money out the window.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight whether or not you will benefit from professional help.

• Am I covered when pulling a rental trailer?
• Is other people’s property covered if stolen from my vehicle?
• What discounts do I qualify for?
• Where can I get insurance after a DUI in my state?
• Is extra glass coverage worth it?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Are rock chip repairs covered?

If you can’t answer these questions, 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.

Auto insurance 101

Having a good grasp of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills like ambulance fees, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability insurance

This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as loss of income, legal defense fees and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Chrysler Sebring.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Comprehensive car insurance

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

Comprehensive coverage protects against things like damage from flooding, falling objects, damage from a tornado or hurricane, theft and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This covers damage to your Sebring from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Be a Smart Shopper

You just read a lot of ways to shop for 2007 Chrysler Sebring insurance online. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

Additional insurance information is available at these links:

• Teen Driving Statistics (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)