Compare 2016 Chrysler Town and Country Insurance Quotes

Searching for the cheapest car insurance rates for your Chrysler Town and Country? Have you had enough of trying to scrape together enough money to pay high car insurance rates every month? You’re in the same situation as most other drivers.

Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with advertising and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

You should take the time to get comparison quotes at least once a year since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Town and Country insurance two years ago the chances are good that you can find a lower rate quote today. There is a lot of bad advice regarding car insurance online, but in this article, you’re going to get some of the best ways to slash your car insurance rates.

Smart buyers can save money

It’s important that you understand the factors that come into play when calculating the level of your policy premiums. If you have some idea of what determines base rates, this enables informed choices that can help you get lower premium levels.

The factors shown below are a partial list of the pieces used by your company to calculate prices.

• Avoid tickets and save – Your driving citation history impacts premiums far more than you think. Getting just one speeding ticket can increase the cost of insurance twenty percent or more. Careful drivers have lower premiums than bad drivers. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.
• Pleasure use saves money – The higher the mileage driven in a year the more you will pay for auto insurance. The majority of insurers apply a rate based upon how much you drive. Cars and trucks not used for work or commuting can get a lower rate than cars that get driven a lot. Verify your auto insurance policy reflects the correct driver usage, because it can save money. A policy that improperly rates your Town and Country can result in significantly higher rates.
• Increase deductibles to save – The deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, aka comp and collision, protects your car from damage. A few examples of covered claims are rearending another vehicle, damage caused by hail, and damage from wind. The more money you choose to pay out-of-pocket, the bigger discount you will receive on Town and Country insurance.
• Don’t cancel your auto insurance policy without a new one in place – Having a gap between insurance policy dates can be a guaranteed way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Compare insurance price quotes online

When shopping for insurance there are multiple ways to compare rate quotes from insurance companies in your area. The best method to compare Chrysler Town and Country insurance prices is to jump online and get quotes. This is quite simple and can be completed using a couple different methods.

1. Hands down the most simple method to get quotes is a comparison rater form click here to open form in new window. This form prevents you from having to do separate quotation requests for each company. A single, simple form gets you price quotes from multiple low-cost companies.
2. A less efficient way to compare prices requires a visit to each company website and get a separate price quote. For sake of this example, we’ll pretend you want to compare prices for Auto-Owners, Esurance and Farmers. To find out each rate you need to spend time on each company’s site and repeatedly type in your coverage information, which can get old fast. For a list of links to companies insuring cars in your area, click here.
3. The least efficient method to find and compare rates is going to insurance agencies in your area. Buying insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the professional guidance of a local agent. Although you can get the lowest quotes online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just do your best to enter exactly the same coverages and limits for each quote you get. If you are comparing mixed coverages it will be very difficult to make an equal comparison. Slightly different insurance coverages or limits may result in a large different in cost. And when comparison shopping, having more price comparisons will increase your chances of finding a lower rate than you’re paying now.

Auto insurance companies are expert advertisers

Big name companies like Allstate, Geico and Progressive regularly use television and radio advertisements. All the ads have a common claim about how much you will save if you change to their company. How is it plausible that every one can charge less that you’re paying now? It’s all in the words they use.

Most companies quote their best rates for the type of driver that earns them the most money. For example, a profitable insured may need to be between the ages of 30 and 50, has a low-risk occupation, and does not commute to work. A customer who matches that profile will most likely get cheap premium rates and will probably save money with a new company.

Drivers who don’t measure up to the “perfect” profile will probably be forced to pay higher premium rates which translates to the prospect going elsewhere. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, it’s extremely important to compare free car insurance quotes often. It’s just not possible to know with any certainty which company will provide you with the cheapest rates.

Get cheap insurance coverage with discounts

Car insurance companies don’t always publicize the entire discount list very well, so the following is a list of both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

• Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
• Accident-Free Discounts – Good drivers with no accidents pay less when compared to drivers with a long claim history.
• Bundled Policy Discount – If you can combine your homeowners and auto policy with the same insurance company you may earn nearly 15% which can help you find cheap car insurance.
• Government Employees – Employees or retirees of the government may qualify for a discount when you quote car insurance on Town and Country insurance but check with your company.
• Savings for New Vehicles – Insuring a new car can save up to 30% because new model year vehicles are generally safer.
• Safety Course Discount – Taking part in a class that teaches safe driver techniques could earn you a small percentage discount depending on where you live.
• Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates on Town and Country insurance.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like you could get a free insurance coverage policy, you aren’t that lucky.

A few of the larger companies and the discounts they provide are detailed below.

• Geico includes discounts for military active duty, membership and employees, driver training, good student, and multi-vehicle.
• Travelers may include discounts for save driver, student away at school, early quote, driver training, and IntelliDrive.
• Nationwide discounts include business or organization, Farm Bureau membership, defensive driving, multi-policy, and anti-theft.
• Farmers Insurance offers premium reductions for multi-car, alternative fuel, good student, bundle discounts, and youthful driver.
• Esurance policyholders can earn discounts including renters, defensive driver, multi-car, online shopper, anti-lock brakes, and DriveSense.
• State Farm may offer discounts for driver’s education, multiple autos, student away at school, good student, good driver, and Steer Clear safe driver discount.
• Progressive offers discounts including continuous coverage, homeowner, online quote discount, good student, multi-policy, online signing, and multi-vehicle.
• Mercury Insurance has savings for good driver, ease of repair, professional/association, age of vehicle, location of vehicle, good student, and annual mileage.

Before purchasing a policy, check with each insurance company to apply every possible discount. Some discounts listed above may not apply in your area.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out if you might need professional guidance.

• Do I need rental car coverage?
• Am I covered if my car is in a flood?
• Is rental equipment covered for theft or damage?
• Should I bundle my homeowners policy with my auto?
• What is medical payments coverage?
• Should I rate my 2016 Chrysler Town and Country as pleasure use or commute?
• Am I missing any policy discounts?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Chrysler Town and Country.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, backing into a parked car, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability – Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, pain and suffering, repair costs for stationary objects, loss of income and structural damage. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, a tree branch falling on your vehicle, damage from getting keyed, falling objects and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, surgery, X-ray expenses and chiropractic care. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

A penny saved is a penny earned

Some companies do not provide the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent agents. Discount 2016 Chrysler Town and Country insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates.

We covered quite a bit of information on how to get a better price on 2016 Chrysler Town and Country insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from a small mutual company. They may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

Additional car insurance information is available at the links below

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Liability Insurance Coverage (Nationwide)
• Tread Depth and Tire Safety (State Farm)
• Safety Belts FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)