How Much Does 1999 Chrysler Concorde Car Insurance Cost?

Looking for lower auto insurance rates for your Chrysler Concorde? Are you a victim of high-priced auto insurance? Trust us, there are lots of people in the same boat. There are many car insurance companies to pick from, and even though it’s nice to be able to choose, too many choices makes it more difficult to get the best deal.

How to Lower Your Auto Insurance Cost

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You can waste hours discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get prices fast.

Most car insurance companies participate in an industry program that allows shoppers to submit their information once, and each company then gives them pricing. This eliminates the need for repetitive form submissions to each company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of system is you don’t know exactly which companies you want pricing from. If you would rather choose individual companies to compare, we put together a list of low cost auto insurance companies in your area. Click to view list.

Which method you use is up to you, but compare identical coverage information for each comparison quote. If you compare different limits and deductibles on each one you will not be able to decipher which rate is best.

Cut prices on 1999 Chrysler Concorde insurance

Companies do not list every discount very well, so the following is a list of some of the best known as well as the least known ways to save on insurance. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Bundle and Save – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy over the internet.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% on Concorde insurance.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Accident Free – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

To see a list of insurance companies with the best insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover if you might need an agent’s assistance.

  • Do I need replacement cost coverage on my 1999 Chrysler Concorde?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need added coverage for expensive stereo equipment?
  • Does having multiple vehicles earn me a discount?
  • What is the rate difference between pleasure use and commuting?
  • Is my ex-spouse still covered by my policy?
  • How many claims can I have before being cancelled?
  • What is roadside assistance coverage?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to 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. It is quick, free and may give you better protection.

Auto insurance 101

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chrysler Concorde.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This will pay to fix damage to your Concorde resulting from colliding 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 can pay for claims like hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, hospital visits, EMT expenses, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, hail damage and vandalism. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage – This coverage will cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, court costs, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.