Lower Your 2004 Chrysler Crossfire Car Insurance Cost

Trying to come up with a payment for overpriced car insurance can draw down your personal savings and maybe even restrict other spending.

Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a provider to find the best rate

If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Finding affordable coverage is quite easy. Nevertheless, vehicle owners can benefit from knowing the way insurance companies price online insurance.

What affects Chrysler Crossfire insurance prices?

When buying auto insurance it’s important to understand a few of the rating criteria that come into play when calculating auto insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that could help you find cheaper rates.

  • Battle of the sexes – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. Women and men are in auto accidents in similar percentages, but the men get into accidents with more damage. Men also statistically get higher numbers of serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 have the highest risk to insure and therefore are the most expensive to insure.
  • Location can impact price – Choosing to live in less populated areas has definite advantages if you are looking for the lowest rates. People in densly populated areas have to deal with much more traffic and longer commute times. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.
  • How do annual miles impact prices? – The more miles you rack up on your Chrysler in a year the higher the price you pay to insure it. A lot of insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars that sit idle most of the time can get a lower rate than those used for commuting. An improperly rated Crossfire is just wasting money. Double check that your auto insurance declarations sheet is showing annual mileage.
  • Be proud to be claim-free – Companies generally give better rates to people who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.

Discounts to earn cheaper auto insurance rates

The cost of insuring your cars can be expensive, but there could be significant discounts that may help make it more affordable. Many of these discounts will be applied automatically at quote time, but a few must be asked about prior to getting the savings.

  • Seat Belts Save – Drivers who require all occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Discount for Multiple Policies – If you can combine your home and auto policy and insure them with the same company you could earn a discount of 10% to 20% off each policy.
  • Switch and Save Discount – Some companies provide a discount for renewing your policy before your current coverage expires. It could save around 10% when you buy insurance coverage online.
  • First Accident Forgiveness – but companies like Allstate and Progressive permit an accident without raising rates if you are claim-free for a certain period of time.
  • Onboard Data Collection – Policyholders that allow driving data collection to track where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates if their driving habits are good.
  • Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote when compared to insureds who have frequent claims or accidents.
  • Senior Citizens – Drivers that qualify as senior citizens may qualify for lower premium rates on Crossfire insurance.

Don’t be surprised that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, it’s just not the way it works.

Some of the insurance companies that may include most of the discounts above include:

Before purchasing a policy, check with each company or agent the best way to save money. Some discounts may not be available in your area. To see insurers with discount auto insurance rates, follow this link.

Do drivers who switch really save?

21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. All the companies tend to make the same promise that drivers can save some big amount just by switching your coverage to them. But how can every company charge you a lower premium? This is the way they can do it.

Different companies quote the lowest rates for the type of driver that will be a good risk. One example of this type of driver should be a married male, has no claims, and has great credit. Any driver who fits that profile may get the lowest car insurance rates and will probably cut their rates substantially.

Consumers who are not a match for the “perfect” profile will be charged higher premiums which results in the customer buying from a different company. The ad wording is “drivers that switch” not “everybody who quotes” save that much when switching. That’s why companies can make claims that they all have the best car insurance rates.

This illustrates why you should get insurance coverage quotes from several different companies. You cannot predict which auto insurance company will have the lowest rates for your situation.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 2004 Chrysler Crossfire?
  • Can I get a multi-policy discount?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my custom paint covered by insurance?
  • Where can I get insurance after a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Specific coverage details

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Crossfire.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

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

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding and hitting a deer. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills such as chiropractic care, EMT expenses, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Crossfire caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.


This provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, repair costs for stationary objects 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.

Don’t be a big spender

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

We’ve covered some good ideas how to save on 2004 Chrysler Crossfire insurance. It’s most important to understand that the more you quote insurance coverage, the higher your chance of finding affordable insurance coverage. You may even discover the best rates are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

Additional detailed information is located in these articles: