1996 Chrysler Cirrus Car Insurance Quotes

Looking for lower insurance rates for your Chrysler Cirrus? Have you fallen victim to high-priced insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance policy.

Companies like Geico, Farmers Insurance and State Farm constantly blast consumers with catchy ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a great practice to compare rates at least once a year since rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on Cirrus coverage on your last policy there is a good chance you can find better rates now. There is too much inaccurate information about insurance online, so with this article, you’re going to get the easiest ways to buy insurance cheaper.

The quickest method we recommend to compare insurance rates from multiple companies is to know most of the bigger providers allow for online access to give you rate quotes. All consumers are required to do is provide details like whether the vehicles are used for commuting, any included safety features, driver ages, and an estimate of your credit level. The rating information is sent automatically to multiple insurance providers and they return rate quotes almost instantly.

To get price quotes for your Chrysler Cirrus , click here and see if a lower rate is available.

Switch companies and save? Really?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make the same claim about savings after switching your coverage to them. How does each company say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. An example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don’t meet this ideal profile will have to pay higher prices and this can result in the customer not buying. The ads say “drivers who switch” not “people who quote” save money. That’s why insurance companies can advertise the way they do. Because of the profiling, you should get quotes from several different companies. It’s impossible to know which company will provide you with the cheapest Chrysler Cirrus insurance rates.

Chrysler Cirrus insurance rates are influenced by…

It’s important that you understand the factors that go into determining the rates you pay for insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with better insurance rates.

  • Big city or small town – Living in small towns and rural areas has it’s advantages when it comes to insurance. City drivers tend to have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • Cautious drivers pay less – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one speeding ticket can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Liability insurance protects assets – The liability section of your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Too many insurance claims drive up costs – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies give better rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Lower deductibles cost more – The deductibles define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more expense you have to pay, the lower your rates will be on Cirrus coverage.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a sure-fire way to increase your insurance rates. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.

Save big with these discounts

Companies don’t always list all their discounts in a way that’s easy to find, so we break down some of the more common and the more hidden ways to save on insurance coverage.

  • Government Employees – Employees or retirees of the government may qualify you for a discount on Cirrus coverage with certain companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for insurance coverage on Cirrus coverage.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

Consumers should know that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not be available in your area.

But I don’t know anything about car insurance

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether or not you may require specific advice.

  • Is extra glass coverage worth it?
  • Do I need more liability coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the rate difference between pleasure use and commuting?
  • What is no-fault insurance?
  • Does my 1996 Chrysler Cirrus qualify for pleasure use?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, rock chips in glass and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

This coverage can cover injuries or damage you cause to a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, loss of income, repair bills for other people’s vehicles, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This coverage covers damage to your Cirrus caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chrysler Cirrus.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

A fool and his money are soon parted

Throughout this article, we presented quite a bit of information on how to save on 1996 Chrysler Cirrus insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance coverage comes from a small mutual company. These companies often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, you should never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage to discover at claim time that it was a big error on their part. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

More information