2003 Chrysler Voyager Insurance Rates – 5 Policy Discounts

Want lower auto insurance rates for your Chrysler Voyager? Are you overwhelmed by the sheer number of auto insurance options? You’re not the only one! Consumers have so many options available that it can quickly become a ton of work to find the perfect company for you.

You should make it a habit to check auto insurance prices on a regular basis because insurance rates go up and down regularly. If you had the best deal on Voyager coverage two years ago you can probably find a better price now. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the easiest ways to get good coverage at a lower rate.

These five discounts can lower your rates

Companies do not list all available discounts very well, so we break down both the well known and the harder-to-find savings tricks you should be using.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

It’s important to understand that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of companies with the best auto insurance discounts, click here.

Different people need different coverages

When choosing adequate coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • Is my camper covered by my car insurance policy?
  • Is my state a no-fault state?
  • Can I get a multi-policy discount?
  • Why do I only qualify for high-risk insurance?
  • When should I drop full coverage on my 2003 Chrysler Voyager?
  • Where can I find DUI or SR-22 insurance?
  • Is my Chrysler Voyager covered if I use it for business?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Do insurance coverage companies bend the truth?

Insurance coverage providers like Allstate and Progressive continually stream ads on television and other media. They all make the same claim that you’ll save big after switching your coverage 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 driver that earns them a profit. A good example of a preferred risk could be between 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” is entitled to the best price and most likely will save quite a bit of money when switching.

Potential customers who don’t qualify for these standards will be quoted higher rates and ends up with business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently claim big savings. This emphasizes why drivers must compare many company’s rates. It’s impossible to know which insurance coverage company will have the lowest Chrysler Voyager insurance rates.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like dental work, prosthetic devices and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from getting keyed and hail damage. 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 removing comprehensive coverage.

Collision – This will pay to fix damage to your Voyager from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, scraping a guard rail, rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler Voyager.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Buy online or local, you save

When shopping online for insurance coverage, don’t be tempted to reduce needed coverages to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best price, not the least amount of coverage.

We just presented some good ideas how to save on 2003 Chrysler Voyager insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from a lesser-known regional company.

People leave their current company for many reasons like denial of a claim, questionable increases in premium, being labeled a high risk driver and policy cancellation. Regardless of your reason, finding a new company is less work than it seems.

More tips and info about insurance coverage is located by following these links: