1999 Chrysler Town and Country Car Insurance Rates – 5 Savings Tips

Trying to find low-cost insurance for a Chrysler Town and Country could be an all-consuming task, but you can use our insurance coverage buying tips to save time.

There is a better way to find insurance coverage online and you need to know the absolute fastest way to compare rates for your Chrysler and get the lowest possible price from local insurance agents and online providers.

Consumers should take time to price shop coverage every six months since insurance rates change regularly. Just because you had the best deal on Town and Country coverage last year a different company probably has better rates today. Starting now, ignore everything you know about insurance coverage because it’s time to teach you the proper way to save on insurance coverage.

How to Compare Insurance Coverage Quotes

Most companies give insurance quotes on their websites. Getting online rates is pretty painless as you just type in the coverages you want as requested by the quote form. Once entered, their rating system sends out for credit information and your driving record and returns a price.

Online quotes makes comparing rates easy, but the work required to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible if you want to find the lowest insurance coverage rates.

The easy way to compare rates

A more efficient way to find better insurance coverage pricing makes use of a single form to obtain quotes from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. Once the form is submitted, it is quoted and you are able to buy any one of the resulting price quotes.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

In order to compare rates now, simply click here to open in new window and submit the form. If you have your current policy handy, we recommend that you enter deductibles and limits just like they are on your policy. This way, you’re receiving a fair comparison for exact coverage.

These five discounts can lower your rates

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. Some discounts apply automatically when you purchase, but some must be asked about before you get the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
  • Sign Online – Certain companies give back up to $50 for buying your policy digitally online.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Clubs and Organizations – Participating in certain professional organizations may earn a discount on your policy on Town and Country coverage.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

Car insurance companies that may have these discounts are:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts might not be offered in your area.

Different people need different coverages

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need replacement cost coverage on my 1999 Chrysler Town and Country?
  • Can I still get insurance after a DUI?
  • Why am I required to buy high-risk coverage?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Don’t listen to company ads

Drivers can’t get away from ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. All the companies make the same claim about savings if you move to them.

But how can every company say the same thing?

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For example, a profitable customer might be over the age of 50, insures multiple vehicles, and has excellent credit. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Drivers who fall outside the “perfect” profile will be charged higher premiums and this can result in business not being written. The ads say “customers that switch” not “people who quote” save that much. That’s the way companies can truthfully state the savings.

That is why it is so important to get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Chrysler Town and Country insurance.

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1999 Chrysler Town and Country.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Collision protection

Collision coverage pays for damage to your Town and Country caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for chiropractic care, funeral costs, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, falling objects, vandalism, damage from flooding and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

People who switch companies do it for any number of reasons including denial of a claim, lack of trust in their agent, questionable increases in premium and extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. In many cases, someone dropped full coverage and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

In this article, we presented a lot of information how to lower your 1999 Chrysler Town and Country insurance rates. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from a smaller regional carrier.

For more information, feel free to visit the resources below: