Do you get exhausted from robbing Peter to pay Paul to insure your Chrysler every month? You are no different than many other drivers. Due to the fact that there are so many options when it comes to auto insurance, it is hard for the average consumer to locate the best insurance company.
Part of the insurance buying process is learning the rating factors that come into play when calculating the price you pay for insurance. If you have some idea of what determines premiums, this allows you to make educated decisions that could result in lower insurance prices.
Not too many consumers would say car insurance is affordable, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but some must be requested specifically prior to getting the savings.
A quick disclaimer, most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.
Some of the larger companies that have most of the discounts above include:
When quoting, ask each company how you can save money. Savings may not be available in your area. If you would like to view insurers that offer some of these discounts, follow this link.
When it comes to buying coverage, there really is no “perfect” insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if you will benefit from professional help.
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Knowing the specifics of car insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.
This coverage will pay to fix damage to your Cirrus from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as crashing into a ditch, hitting a mailbox, sideswiping another vehicle, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like hospital visits, nursing services, surgery, chiropractic care and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Cirrus.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as hitting a deer, damage from getting keyed, fire damage, falling objects and damage from flooding. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability insurance will cover injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as repair costs for stationary objects, court costs, emergency aid, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.
Lower-priced 1998 Chrysler Cirrus insurance is available on the web and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer rates over the internet and most of the time these regional carriers provide coverage only through local independent agents.
In this article, we presented a lot of ways to reduce 1998 Chrysler Cirrus insurance prices online. The key thing to remember is the more you quote auto insurance, the higher your chance of finding the cheapest auto insurance. Drivers may discover the lowest prices come from a smaller regional carrier. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.
As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.