Cheap 1993 Chrysler Town and Country Car Insurance Quotes

Looking for cheaper insurance rates? Shoppers have a choice when shopping for affordable Chrysler Town and Country insurance. They can either waste time calling around getting price quotes or use the internet to compare rates.

There are both good and bad ways to find insurance online and we’ll show you the proper way to quote coverages on a Chrysler and find the best price possible either online or from local insurance agents.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Some trigger automatically when you quote, but a few must be asked about prior to getting the savings. If you don’t get every credit you deserve, you are throwing money away.

  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • No Charge for an Accident – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break when buying insurance coverage on Town and Country insurance.

Keep in mind that some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will bring down the cost of coverage.

Car insurance companies that may offer some of the above discounts are:

It’s a good idea to ask every prospective company which discounts they offer. Savings might not apply in your state.

How to Compare Insurance Costs

There are a variety of methods to compare 1993 Chrysler Town and Country insurance prices but some are less time-consuming than others. You can spend countless hours driving to local insurance agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system that enables customers to submit one quote, and each participating company then gives them pricing based on the submitted data. This eliminates the need for quotation requests for every insurance company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to pricing coverage this way is you can’t choose which insurance companies you want pricing from. If you prefer to choose from a list of companies to request quotes from, we put together a list of companies who write insurance in your area. Click to view list.

Whichever way you use, ensure you’re using identical coverage information for each comparison quote. If you compare mixed coverages it’s impossible to decipher which rate is best.

Chrysler Town and Country rates influenced by many factors

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for insurance coverage. Knowing what controls the rates you pay allows you to make educated decisions that could result in lower insurance coverage prices.

Shown below are a few of the “ingredients” companies use to determine premiums.

  • Bundling policies can get discounts – Many insurers will award you with lower prices to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. If you currently are using one company, you may still want to comparison shop to ensure the best deal.
  • Your location is important – Living in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers who live in large cities have more traffic problems and a longer drive to work. Fewer people means fewer accidents and a lower car theft rate.
  • Liability insurance protects assets – The liability section of your policy is the protection if a jury decides you are liable for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • High credit ratings translate to low rates – Credit score is a big factor in your rate calculation. So if your credit history is lower than you’d like, you could potentially save money when insuring your 1993 Chrysler Town and Country by improving your rating. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit.
  • Pay less after the wedding – Getting married can get you a discount when buying insurance coverage. Marriage translates into being more responsible and it’s statistically proven that married couples file fewer claims.
  • Rate your vehicle for proper use – The more you drive each year the more you will pay for insurance coverage. Most companies rate vehicles based upon how you use the vehicle. Cars left parked in the garage can get a lower rate compared to those used for work or business. Having the wrong rating on your Town and Country can cost quite a bit. Make sure your insurance coverage policy properly reflects the correct driver usage, because it can save money.
  • Save money with special equipment – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

Everyone needs different coverages

When choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • Does coverage extend to a rental car in a foreign country?
  • Where can I get insurance after a DUI in my state?
  • Do I pay less for low miles?
  • I have health insurance so do I need medical payments coverage?
  • Is my ex-spouse still covered by my policy?
  • Should I waive the damage coverage when renting a car?
  • When should I not file a claim?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as doctor visits, chiropractic care, ambulance fees and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, funeral expenses, attorney fees and pain and suffering. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, hitting a deer, damage from getting keyed and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Town and Country resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Have the Midas touch

In this article, we covered many tips how you can reduce 1993 Chrysler Town and Country insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced insurance comes from a small mutual company.

Affordable insurance is definitely available on the web and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Drivers leave their current company for many reasons like unfair underwriting practices, not issuing a premium refund, questionable increases in premium or even policy non-renewal. Regardless of your reason for switching companies, switching companies is easier than you think.

Additional detailed information is located in these articles: