2001 Chrysler Voyager Insurance Quotes – 7 Tips for Cheaper Rates

Looking for the cheapest insurance coverage rates for your Chrysler Voyager? Saving money on insurance coverage is hard for people who are new to shopping for insurance online. You have so many choices that it can quickly become a lot of work to find lower rates.

You should take the time to shop coverage around periodically because prices go up and down regularly. Even if you got the best deal for Voyager coverage last year you may be paying too much now. So just ignore everything you know about insurance coverage because you’re about to learn the tricks you need to know to remove unneeded coverages and save money.

Are you getting all your discounts?

Companies do not advertise every available discount in an easy-to-find place, so we researched both well-publicized as well as the least known discounts you could be receiving.

  • Military Discounts – Having a family member in the military could mean lower rates.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Government Employees – Simply working for the federal government can save as much as 8% for Voyager coverage with select insurance companies.
  • Driver Safety – Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.

It’s important to note that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

For a list of insurers with discount car insurance rates, click here to view.

When might I need an agent?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Is other people’s property covered if stolen from my vehicle?
  • I have a DUI can I still get coverage?
  • Can I afford to buy a different vehicle if my 2001 Chrysler Voyager is totaled?
  • Am I covered if I wreck a rental car?
  • How can I find cheaper teen driver insurance?
  • When should I remove comp and collision on my 2001 Chrysler Voyager?
  • When should I buy a commercial auto policy?
  • Can I rent a car in Mexico?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Can switching companies really save?

State Farm and Allstate continually stream ads on television and other media. All the companies have a common claim that you’ll save big after switching to them. How does each company say the same thing? This is how they do it.

All the different companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer might be over the age of 40, is a homeowner, and has great credit. Any driver that hits that “sweet spot” will get the preferred rates and therefore will save a lot of money.

Potential insureds who fall outside these standards will be quoted higher premiums and ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that much. That’s why companies can truthfully make those claims. This emphasizes why you absolutely need to get as many quotes as possible. You cannot predict which insurance companies will fit your personal profile best.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Voyager.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as attorney fees, loss of income, funeral expenses, court costs and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Voyager from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for things like nursing services, X-ray expenses, hospital visits and pain medications. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive insurance

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

Comprehensive coverage pays for things like hail damage, vandalism, damage from flooding and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a smart shopper

When buying insurance coverage, you should never buy poor coverage just to save money. In many cases, someone sacrificed full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible for the lowest price while still protecting your assets.

Drivers leave their current company for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, policy non-renewal or even policy cancellation. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

We just presented some good ideas how you can lower your 2001 Chrysler Voyager insurance rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from the least-expected company.

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