How Much Does 2010 Chrysler Sebring Insurance Cost?

A quick disclaimer, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

Large car insurance companies and some of the discounts are shown below.

• Geico offers discounts including anti-lock brakes, driver training, good student, defensive driver, five-year accident-free, multi-vehicle, and anti-theft.
• MetLife has discounts for multi-policy, claim-free, accident-free, defensive driver, good student, and good driver.
• State Farm policyholders can earn discounts including Drive Safe & Save, multiple policy, driver’s education, Steer Clear safe driver discount, student away at school, and anti-theft.
• Progressive includes discounts for homeowner, online quote discount, multi-vehicle, continuous coverage, multi-policy, online signing, and good student.
• Mercury Insurance may include discounts for annual mileage, anti-theft, location of vehicle, multi-car, and accident-free.
• 21st Century has savings for student driver, air bags, driver training, automatic seat belts, early bird, and theft prevention.
• Allstate may offer discounts for anti-lock brakes, farm vehicle, good payer, resident student, and economy car.

When quoting, ask each company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in your area.

Special considerations

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

• Am I covered when driving on a suspended license?
• When can I cancel my policy?
• Am I better off with higher deductibles on my 2010 Chrysler Sebring?
• Do I need added coverage for expensive stereo equipment?
• Is my 2010 Chrysler Sebring covered for smoke damage?
• When can my company non-renew my policy?
• Is my camper covered by my car insurance policy?
• Does coverage extend to my business vehicle?
• Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Chrysler Sebring.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, EMT expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability car insurance – This protects you from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, court costs and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.