2014 Chrysler Town and Country Insurance Quotes – 10 Savings Tips

Shoppers have lots of choices when shopping for the lowest priced Chrysler Town and Country insurance. You can either spend your time driving around to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to compare rates for your Chrysler and locate the lowest possible price.

You need to get comparison quotes periodically because auto insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest quotes on Town and Country coverage a couple years back there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we’re going to show you one of the best ways to find better rates and still maintain coverage.

If you have insurance now or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. The purpose of this post is to teach you how to get online quotes and some money-saving tips. Consumers just need to know the proper way to compare company rates over the internet.

Low cost insurance prices

There are a lot of ways to compare insurance prices but some are less time-consuming than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Many insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and each participating company then gives them pricing based on that data. This eliminates the need for quote forms for each company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to comparing rates this way is you cannot specify which companies you want to price. So if you want to select specific insurance companies to compare rates, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use exactly the same coverages with each company. If you enter differing limits you will not be able to make a fair rate comparison.

Do you qualify for these ten discounts?

Car insurance is not cheap nor is it fun to buy but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before you get the savings.

• Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Town and Country coverage depending on your company.
• Good Student – Performing well in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
• Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount when getting a auto insurance quote.
• Drive Less and Save – Low mileage vehicles may allow you to get slightly better prices than normal.
• Data Collection Discounts – Drivers who elect to allow their company to monitor driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.
• Mature Driver Discount – If you’re over the age of 55, you can get a discount up to 10% on Town and Country coverage.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
• More Vehicles More Savings – Purchasing coverage when you have several vehicles on one policy may reduce the rate for each vehicle.
• Distant College Student Discount – College-age children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
• Defensive Driver Discounts – Taking part in a safe driver course could earn you a small percentage discount if you qualify.

You can save money using discounts, but most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Larger car insurance companies and some of the premium reductions they offer can be read below.

• State Farm includes discounts for multiple autos, defensive driving training, student away at school, driver’s education, good driver, and accident-free.
• Farmers Insurance offers discounts including switch companies, pay in full, teen driver, business and professional, distant student, and bundle discounts.
• Progressive may have discounts that include multi-vehicle, online quote discount, continuous coverage, multi-policy, and homeowner.
• Geico policyholders can earn discounts including anti-theft, multi-vehicle, air bags, membership and employees, defensive driver, and good student.
• Auto-Owners Insurance offers discounts for multi-policy, student away at school, group or association, air bags, anti-lock brakes, and safe vehicle.
• The Hartford may offer discounts for vehicle fuel type, defensive driver, bundle, air bag, anti-theft, good student, and driver training.
• Farm Bureau discounts include youthful driver, renewal discount, driver training, safe driver, 55 and retired, multi-vehicle, and good student.
• USAA has savings for new vehicle, good student, multi-vehicle, military installation, annual mileage, and loyalty savings.

When getting free auto insurance quotes, it’s a good idea to each company which discounts they offer. Some of the earlier mentioned discounts might not be offered in every state. For a list of insurers that offer discounts, click here.

Don’t assume everyone needs the same insurance coverage coverage

When choosing adequate coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether you may require specific advice.

• Exactly who is provided coverage by my policy?
• Should I sign the liability waiver when renting a car?
• Do I have newly-aquired coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Is my nanny covered when driving my vehicle?
• Do I need added coverage for expensive stereo equipment?
• At what point should I drop full coverage?
• Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Drivers who switch save $491 a year? Really?

Consumers can’t ignore all the ads that promise big savings for switching from the likes of Allstate and Progressive. They all seem to tend to make the same promise that you’ll save big just by moving your policy.

How is it plausible that every one can save you money? This is the way they can do it.

Insurance providers quote their best rates for the type of driver they prefer to insure. An example of a preferred risk might be described as between the ages of 30 and 50, has no driving citations, and drives a safe vehicle. Anyone that matches those criteria will probably get cheap prices and will probably save a lot of money.

Drivers who do not meet those criteria may be forced to pay a higher rate which translates to the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how companies can truthfully state the savings. Because of these techniques, you absolutely need to get auto insurance quotes from several different companies. It is just not possible to predict which company will have the best premium rates.

Coverages available on your policy

Having a good grasp of auto insurance can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, vandalism, theft, hitting a deer and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 2014 Chrysler Town and Country.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like rehabilitation expenses, EMT expenses, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage will cover damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, pain and suffering, attorney fees, court costs and medical expenses. How much coverage you buy is up to you, but buy higher limits if possible.

Collision protection

This pays for damage to your Town and Country from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, rolling your car, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Affordable insurance is out there

People who switch companies do it for a variety of reasons including questionable increases in premium, lack of trust in their agent, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

We’ve covered many ideas to save on 2014 Chrysler Town and Country insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest auto insurance. Drivers may discover the lowest rates are with some of the lesser-known companies.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced physical damage coverage and discovered at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

Helpful articles

• Shopping for a Safe Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Learn About Car Insurance (Geico)
• Safe Vehicles for Teens (iihs.org)