Cheap 2012 Chrysler Town and Country Car Insurance Rates

Tired of paying out the nose to insure your Chrysler every month? You are no different than most other vehicle owners.

You have multiple car insurance companies to choose from, and although it’s nice to be able to choose, it can be more challenging to compare rates.

It’s a good habit to take a look at other company’s rates at least once a year since insurance prices change quite often. Even if you got the lowest rates for Town and Country insurance a couple years back other companies may now be cheaper. There is a lot of bad information regarding car insurance online but in just a couple of minutes you can learn the best ways to find affordable car insurance.

This article will teach you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. But vehicle owners should learn how the larger insurance companies price online insurance and apply this information to your search.

Where can I get affordable auto insurance?

There are a variety of methods you can shop for auto insurance but some are less time-consuming than others. You can spend your afternoon talking about coverages with agents in your area, or you could use the internet to get pricing more quickly.

The majority of car insurance companies participate in an industry program where prospective buyers send in one quote, and every company can provide price quotes based on the submitted data. This saves time by eliminating quote forms for every auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify the companies to get quotes from. If you prefer to choose specific insurance companies to compare, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages for every company. If the quotes have different values for each quote you can’t possibly find the best deal for your Chrysler Town and Country. Quoting even small variations in coverage limits may result in large price differences. It’s important to know that quoting more provides better odds of finding more affordable insurance.

Informed consumers know how to buy insurance coverage for less

Consumers need to have an understanding of some of the factors that come into play when calculating insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower premium levels. Lots of factors are considered when premium rates are determined. Some are pretty understandable such as traffic violations, but other factors are less apparent like where you live or how safe your car is.

• Responsible drivers pay the best rates – How you drive influences premium rates substantially. Drivers with clean records get better prices than bad drivers. Just one moving violation could increase your next policy renewal twenty percent or more. People who have license-revoking tickets such as DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
• Safer cars cost less to insure – Cars with five star safety ratings tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries means less money paid by your insurance company and thus lower rates. If the Chrysler Town and Country is rated at a minimum four stars on Safercar.gov you may pay a lower rate.
• Car and home together may be cheaper – Lots of insurers provide a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. It’s possible to still save even more even if you have your coverage with different companies
• Eliminate unneeded extra policy coverages – There are a ton of additional coverages that you can get tricked into buying if you aren’t careful. Coverages for roadside assistance, death and dismemberment, and membership fees are some examples. The coverages may be enticing when buying your policy, but if you don’t need them get rid of them and save.
• Cheaper insurance coverage rates for prior coverage – Allowing your insurance coverage policy to lapse can be a quick way to bump up your insurance coverage costs. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a revoked license or a big fine.
• Where you live factors in – Residing in areas with lower population has definite advantages when talking about insurance coverage. Lower population translates into fewer accidents and also fewer theft and vandalism claims. Residents of big cities tend to have more aggressive driving styles and much longer commute distances. Spending more time driving translates into higher accident risk.

Car insurance companies offer many discounts

Car insurance is easily one of your largest bills, but there could be significant discounts that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but less common discounts must be manually applied prior to receiving the credit.

• Government Employee Discount – Active or former government employment may qualify for a discount when you quote auto insurance for Town and Country insurance with a few car insurance companies.
• Military Deployment Discount – Having a deployed family member could mean lower premium rates.
• Senior Citizens – Older drivers can get lower premium rates for Town and Country insurance.
• Renewal Discounts – A few insurance companies give discounts for switching policies prior to your current policy expiring. You can save around 10% with this discount.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.

A quick disclaimer, most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, you aren’t that lucky.

To choose companies offering car insurance discounts, click here to view.

Do I just need basic coverages?

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

• Is my camper covered by my car insurance policy?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my nanny covered when driving my vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like funeral costs, prosthetic devices, doctor visits and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chrysler Town and Country.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

Collision coverage pays for damage to your Town and Country resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages

This provides protection from damage or injury you incur to other people or property 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. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, emergency aid and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, theft, damage from getting keyed, falling objects and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Shop Smart and Save

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage and learned later that they should have had better coverage. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

You just read some good ideas how to reduce 2012 Chrysler Town and Country insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of getting the cheapest auto insurance. Consumers may even find the best price on insurance coverage is with the smaller companies. They can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

Additional information can be read on the following sites:

• Electronic Stability Control FAQ (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)