Cheaper 1998 Chrysler Concorde Insurance Cost

Are you regretting buying high-priced car insurance? It’s a common feeling and many consumers feel financially strained by their car insurance policy.

Many insurance companies vie for your business, and because of this it can be hard to compare insurers and get the definite lowest price

It’s a good idea to get comparison quotes as often as possible because prices are variable and change quite frequently. Just because you found the lowest rates for Concorde coverage two years ago you can probably find a better premium rate now. There are a lot of ways to save on car insurance online, but in a few minutes you can learn some great ways to reduce your car insurance bill.

How to get free auto insurance quotes online

Most major insurance companies give coverage price quotes from their websites. Obtaining pricing is easy for anyone as you just enter the amount of coverage you want as detailed in the form. After you complete the form, their rating system makes automated requests for information on your driving record and credit history and returns pricing information determined by many factors. Online quotes makes it a lot easier to compare rates but the process of having to visit a lot of sites and type in your information can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes in order to get the lowest possible prices on auto insurance.

There is an easier way!

A quicker way to get multiple rate quotes is to use a quote form to obtain quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes online price comparison much simpler. Immediately after submitting the form, it gets priced and you are able to buy any of the resulting price quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

To get comparison pricing now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter the insurance coverages as close as possible to your current policy. This way, you will receive an apples-to-apples comparison for the exact same coverage.

Are you earning every discount?

Auto insurance companies don’t always publicize the entire discount list very clearly, so the list below details a few of the more common and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

  • Multiple Vehicles – Buying a policy with primary and secondary vehicles on the same car insurance policy could earn a price break for each car.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save up to 15% on medical payment and PIP coverage.
  • E-sign Discounts – A few larger online companies will provide an incentive for buying your policy on their website.
  • Discount for Life Insurance – Select insurance carriers reward you with a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.

One thing to note about discounts is that many deductions do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

A few of the larger companies and some of the discounts are included below.

  • State Farm offers premium reductions for good driver, accident-free, passive restraint, Steer Clear safe driver discount, and driver’s education.
  • Progressive discounts include good student, multi-vehicle, multi-policy, homeowner, continuous coverage, online signing, and online quote discount.
  • Travelers policyholders can earn discounts including driver training, multi-car, student away at school, continuous insurance, save driver, and multi-policy.
  • American Family may have discounts that include multi-vehicle, accident-free, early bird, mySafetyValet, and bundled insurance.
  • Liberty Mutual has discounts for newly retired, preferred payment discount, newly married, safety features, and teen driver discount.

If you need lower rates, check with each insurance company how you can save money. All car insurance discounts may not apply to policyholders in every state. To find car insurance companies that can offer you the previously mentioned discounts, click here.

When in doubt talk to an agent

When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining whether or not you might need professional guidance.

  • What is PIP insurance?
  • Does coverage extend to my business vehicle?
  • Am I covered if my car is in a flood?
  • What discounts do I qualify for?
  • Am I covered when driving someone else’s vehicle?
  • Are my friends covered when driving my car?
  • Do I really need UM/UIM coverage?
  • When should I not file a claim?
  • Is there coverage for injuries to my pets?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with 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.

Car insurance coverage basics

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, hitting a bird and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your Concorde from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for things like ambulance fees, pain medications, prosthetic devices, hospital visits and EMT expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like medical expenses, medical services, attorney fees and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler Concorde.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.