Looking for lower auto insurance rates for your Chrysler Le Baron? Feel like you have an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers feel financially strained by their auto insurance policy. Popular companies such as GEICO, 21st Century and Progressive continually bombard you with ads and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
If you have a policy now or need new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to know the proper methods to get comparison rates over the internet.
Auto insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that can help lower your rates. Certain discounts will be applied at the time you complete a quote, but some discounts are required to be asked about in order for you to get them.
Remember that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.
Some of the insurance companies that may offer most of these discounts possibly include:
If you need lower rates, check with each company which discounts they offer. Discounts may not apply to policies in your area. If you would like to choose from a list of providers who offer discounts, click this link.
When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you will benefit from professional help.
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.
Learning about specific coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.
Collision insurance pays for damage to your Le Baron from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like hitting a mailbox, backing into a parked car, damaging your car on a curb, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.
Coverage for medical payments and/or PIP kick in for short-term medical expenses like surgery, doctor visits, chiropractic care and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as vandalism, a broken windshield, theft, hitting a bird and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
This coverage provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability coverage pays for claims like repair costs for stationary objects, medical expenses, funeral expenses, legal defense fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.
When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed liability limits or collision coverage only to find out they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best possible price and still be able to protect your assets.
Some insurance providers may not offer rate quotes online smaller companies only sell through local independent agencies. Cheaper auto insurance can be sourced both online as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.
Additional auto insurance information can be found on the following sites: