Cheaper 1996 Chrysler Town and Country Insurance Quotes

Are you overwhelmed by the dozens of auto insurance company choices? Many other consumers are too. Consumers have so many options that it can quickly become a ton of work to compare prices.

How to Compare Insurance Rates

There are a lot of ways to compare insurance quotes, and some are easier and takes less work. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize the web to accomplish the same thing much quicker.

Many companies belong to a marketplace where prospective buyers send in one quote, and at least one company can provide price quotes. This system prevents you from having to do quote forms for every insurance company.

To use this form to compare 1996 Chrysler Town and Country insurance rates click here (opens in new window).

The only drawback to doing it this way is you can’t choose which companies to get pricing from. So if you prefer to pick specific insurance companies for rate comparison, we have a listing of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using the exact same quote information for each comparison quote. If your comparisons have higher or lower deductibles you will not be able to determine the lowest rate for your Chrysler Town and Country. Just a small difference in insurance coverages can result in a big premium difference. Keep in mind that getting more free quotes helps you find the best offered rates.

Be sure to get all your discounts

Auto insurance companies don’t list all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Claim Free – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
  • Memberships – Participating in a qualifying organization may earn a discount on insurance for Town and Country insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy could earn a price break for each car.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Town and Country insurance than their less cautious counterparts.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

Double check with each company what discounts are available to you. Savings might not apply in every state.

Chrysler Town and Country rates are in the details

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are a partial list of the pieces companies use to determine premiums.

  • Tickets mean higher rates – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Just one speeding ticket can bump up the cost twenty percent or more. Drivers with dangerous tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Liability insurance protects assets – The liability section of your policy is the coverage that protects you if you are found liable for damages from an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and dentists tend to pay the highest average rates in part from stressful work requirements and lengthy work days. Other professions such as pilots, historians and homemakers have the lowest average rates for Town and Country insurance.
  • Being married can save on car insurance – Getting married can get you a discount on car insurance. Having a significant other is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Sex matters – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men cause accidents in similar numbers, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Better crash test results mean better rates – Safer cars tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If the Chrysler Town and Country earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • How your age affects price – Older insureds are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Teenage drivers have a tendency to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.

How do I know if I need professional advice?

When buying adequate coverage, there isn’t really a “best” method to buy coverage. Each situation is unique.

For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • If I drive on a suspended license am I covered?
  • How can I get my company to pay me more for my totalled car?
  • What is the minimum liability in my state?
  • Which is better, split liability limits or combined limits?
  • Should I bundle my homeowners policy with my auto?
  • When would I need rental car insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

The insurance coverage bait and switch

Companies like State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the ads make the same claim that you’ll save big if you switch to their company. How does each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver they prefer to insure. For instance, a preferred risk might be between 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A driver who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Drivers who are not a match for the “perfect” profile must pay more money which leads to the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save money. That’s the way companies can advertise the savings. This illustrates why it’s extremely important to compare as many rates as you can. It’s not possible to predict which company will provide you with the cheapest Chrysler Town and Country insurance rates.

Car insurance 101

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chrysler Town and Country.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, a tree branch falling on your vehicle, a broken windshield, fire damage and damage from getting keyed. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like attorney fees, structural damage, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, funeral costs and chiropractic care. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance pays for damage to your Town and Country from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, backing into a parked car, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

A tidy conclusion

Lower-priced 1996 Chrysler Town and Country insurance can be bought both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and these regional insurance providers work with independent agents.

When shopping online for insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

In this article, we presented quite a bit of information on how to save on insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small local company.

Even more information is available in the articles below: