Lower Your 1992 Chrysler Imperial Car Insurance Quotes

Want cheaper car insurance rates for your Chrysler Imperial? There isn’t anyone who looks forward to paying premiums for car insurance, especially when they are paying too much. You have multiple auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, lots of choices makes it harder to find the lowest cost provider.

Buying car insurance is quite easy. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Consumers only need to know the tricks to get comparison rates online.

How to lower your auto insurance cost

There are several ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Many popular insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each company can provide price quotes for coverage. This eliminates the need for quotation requests to each company.

To find out what other companies charge click here (opens in new window).

The only downside to doing it this way is buyers cannot specifically choose the companies to get pricing from. If you wish to select specific insurance companies to request quotes from, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you compare exactly the same coverages with each company. If you are comparing differing limits you will not be able to determine which company has the best rates.

Which policy gives me the best coverage?

When it comes to buying coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Is motorclub coverage worth it?
  • Do I need roadside assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need more liability coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Specific coverages for a 1992 Chrysler Imperial

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, falling objects and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for prosthetic devices, dental work, ambulance fees, EMT expenses and X-ray expenses. They are 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 as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – This covers damage to your Imperial from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chrysler Imperial.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, court costs, bail bonds and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.