Lower Your 2013 Chrysler Town and Country Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Chrysler Town and Country? Have you had enough of not being able to scrape enough together to pay high auto insurance rates every month? You are no different than millions of other drivers.

You have multiple insurers to purchase coverage from, and although it’s a good thing to have a choice, lots of choices makes it harder to compare rates.

It’s a great practice to get comparison quotes periodically because auto insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest price on Town and Country coverage a year ago you can probably find a better rate quote now. You can find a lot of misleading information regarding auto insurance online, but you can learn a lot of great tips on how to lower your auto insurance premiums.

Buying car insurance is easy if you know what you’re doing. In a nutshell, everyone who is shopping for car insurance will be able to cut their insurance bill. Nevertheless, consumers need to have an understanding of how the larger insurance companies market insurance on the web and take advantage of how the system works.

Cheaper insurance coverage rates with discounts

Insurance coverage is not an enjoyable expense, but you may qualify for discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but occassionally some discounts must be specially asked for before they will apply.

• Passive Restraint Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of more than 20%.
• Multi-Vehicle Discounts – Insuring primary and secondary vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
• Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• Low Miles Discount – Low mileage vehicles may allow you to get substantially lower prices.
• Homeowners Pay Less – Owning your own home or condo may earn you a small savings because it means you have a higher level of financial diligence.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
• Good Student – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.

Remember that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

A few of the larger companies and a selection of discounts are included below.

• State Farm offers premium reductions for safe vehicle, multiple autos, driver’s education, good student, defensive driving training, and anti-theft.
• Geico policyholders can earn discounts including anti-theft, anti-lock brakes, seat belt use, five-year accident-free, air bags, and defensive driver.
• Allstate includes discounts for good payer, eSmart discount, good student, premier plus, farm vehicle, and defensive driver.
• SAFECO has savings for accident prevention training, safe driver, multi-car, homeowner, anti-lock brakes, and bundle discounts.
• Farm Bureau discounts include multi-vehicle, youthful driver, good student, safe driver, 55 and retired, and multi-policy.
• Progressive offers discounts for online signing, continuous coverage, multi-vehicle, homeowner, multi-policy, and online quote discount.
• AAA may include discounts for good student, AAA membership discount, anti-theft, education and occupation, multi-policy, and multi-car.

It’s a good idea to ask all companies you are considering the best way to save money. Some of the discounts discussed earlier might not be available to policyholders in every state. If you would like to see a list of insurance companies with discount insurance coverage rates, follow this link.

How to lower your insurance premiums

An important part of buying insurance is that you know a few of the rating criteria that go into determining the rates you pay for auto insurance. When consumers understand what influences your rates, this helps enable you to make changes that could result in lower premium levels.

• Only buy add-on coverages you need – Policies have extra coverages that may not really be needed on your Town and Country policy. Insurance for things like rental car coverage, towing, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas at first, but now you might not need them so consider taking them off your policy.
• Higher auto insurance rates for auto insurance policy lapses – Going without insurance is a guaranteed way to increase your rates. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• GPS tracking and theft deterrents lower premiums – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.
• Liability protection limits are a factor – Your auto insurance policy’s liability coverage will protect you in the event that a jury decides you are liable for an accident. It will provide you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• High credit means lower prices – Your credit rating is likely to be a major factor in determining what you pay. Insureds that have very high credit ratings tend to be better risks to insure than those with poor credit. So if your credit is lower than you’d like, you could pay less to insure your 2013 Chrysler Town and Country by improving your credit score.
• Gender and auto insurance premiums – Statistics show women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Both genders are in auto accidents in similar percentages, but the male of the species cause more damage. Not only are claims higher, but men receive more costly citations like reckless driving and DUI. Males from age 16 to 21 cause the most accidents and thus pay the highest rates.
• Miles driven impacts prices – The more you drive every year the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Having the wrong rating on your Town and Country may be costing you higher rates. Make sure your vehicle rating properly reflects the proper vehicle usage, because improper ratings can cost you money.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover if your situation may require specific advice.

• Can my teen drive my company car?
• What is covered by UM/UIM coverage?
• Are my tools covered if they get stolen from my vehicle?
• What vehicles should carry emergency assistance coverage?
• Which companies will insure high-risk drivers?
• Are rock chip repairs covered?
• Does insurance cover damages from a DUI accident?
• What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Big names are not always cheapest

Well-known insurance coverage companies like State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the companies make the same claim of big savings just by switching your policy. That’s great but how can every company charge less that you’re paying now? It’s all in the wording.

Insurance coverage companies give the best rates for the type of driver they prefer to insure. One example of this type of risk profile may need to be over age 30, has no tickets, and drives less than 10,000 miles a year. Any driver who matches those parameters will get a cheap rate quote and will also save when switching.

Consumers who are not a match for these criteria will see higher premium rates which usually ends up with business not being written. If you pay attention, the ads say “people that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently lure you into getting a quote. Because of these techniques, you really should get as many free insurance coverage quotes as possible. You cannot predict which insurance coverage company will have the best car insurance rates for your profile.

Information about specific coverages

Having a good grasp of your auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by auto insurance companies.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, hitting a parking meter, crashing into a building, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverage

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, court costs and legal defense fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and 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. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like rehabilitation expenses, X-ray expenses, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane, theft and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Buy Smart and Save

Some companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent agents. Cost effective 2013 Chrysler Town and Country insurance is available online as well as from independent agents, and you should compare price quotes from both to have the best rate selection.

We’ve covered quite a bit of information on how to compare 2013 Chrysler Town and Country insurance car insurance rates online. The key concept to understand is the more you quote insurance coverage, the better chance you’ll have of finding inexpensive insurance coverage. You may even find the lowest car insurance rates are with a company that doesn’t do a lot of advertising. These companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive and Geico.

Additional insurance coverage information can be read below:

• Safety Belts FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Determing Auto Insurance Rates (Geico)
• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)