View 1995 Chrysler Cirrus Car Insurance Quotes

Looking for better insurance rates for your Chrysler Cirrus? Finding better insurance prices for a new or used Chrysler Cirrus can normally be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to compare insurance rates and we’ll show you the best way to get price quotes for a new or used Chrysler and locate the cheapest rates from both online companies and local agents.

It’s a great practice to compare rates once or twice a year because prices are usually higher with each renewal. Just because you found the best rates on Cirrus coverage a year ago you will most likely find a better premium rate today. Don’t believe everything you read about insurance online but in this article, you’re going to get a bunch of ideas how to stop overpaying for insurance.

Do you qualify for discounts?

Some insurance providers do not advertise every available discount very well, so the following is a list of a few of the more well known and the more hidden credits that you can use to lower your rates.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Good Driver Discounts – Safe drivers can pay as much as 50% less on Cirrus coverage than their less cautious counterparts.
  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Drive Less and Save – Low annual miles could qualify for cheaper prices.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same company they may give you a discount of up to 20% and get you affordable car insurance.
  • Defensive Driver Discounts – Passing a defensive driver course is a good idea and can lower rates if your company offers it.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce the amount you have to pay.

Companies and a selection of discounts can be read below.

  • Travelers may have discounts that include IntelliDrive, early quote, payment discounts, good student, continuous insurance, and multi-car.
  • 21st Century has savings for student driver, air bags, good student, automatic seat belts, and homeowners.
  • State Farm offers discounts for good student, student away at school, multiple autos, Steer Clear safe driver discount, driver’s education, passive restraint, and safe vehicle.
  • GEICO policyholders can earn discounts including defensive driver, seat belt use, membership and employees, five-year accident-free, military active duty, driver training, and air bags.
  • SAFECO may include discounts for anti-lock brakes, drive less, teen safety rewards, anti-theft, safe driver, and teen safe driver.
  • AAA includes discounts for anti-theft, multi-policy, good driver, pay-in-full, good student, multi-car, and education and occupation.

Double check with each company or agent how many discounts you can get. Some of the discounts discussed earlier may not be offered in your area. To locate companies that offer multiple discounts, click here to view.

Don’t assume everyone needs the same auto insurance coverage

When choosing the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs may require specific advice.

  • How much liability do I need to cover my assets?
  • Am I covered when pulling a rental trailer?
  • Is my teenager covered with friends in the car?
  • Where can I find DUI or SR-22 insurance?
  • How does medical payments coverage work?
  • Why am I required to buy liability insurance?
  • What can I do if my company denied a claim?
  • Does coverage extend to my business vehicle?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Specific coverage details

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from flooding and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, crashing into a building, rolling your car, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.


Liability insurance protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different 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 limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, medical services, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for surgery, EMT expenses, X-ray expenses, dental work and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

At the end of the day…

We covered many tips how you can lower your 1995 Chrysler Cirrus insurance prices. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers may even find the most savings is with a lesser-known regional company.

When shopping online for car insurance, it’s not a good idea to reduce needed coverages to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Cost effective 1995 Chrysler Cirrus insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer online price quotes and many times these small, regional companies work with independent insurance agents.

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