Lower Your 2004 Chrysler Concorde Insurance Rates

Want lower car insurance rates for your Chrysler Concorde? Are you confused by the wide range of car insurance company choices? You have a lot of company. There are so many companies to choose from that it can be a real challenge to find the lowest price.

You should take the time to compare prices before your policy renews since rates change quite often. If you had the best deal for Concorde coverage a year ago you may be paying too much now. Starting now, block out anything you think you know about car insurance because it’s time to teach you the proper way to save money, get proper coverage and the best rates.

Locating cheaper coverage is easy if you know what you’re doing. Just about every vehicle owner who has to buy insurance will most likely be able to cut their insurance bill. But consumers should learn how companies price online insurance because it can help you find the best coverage.

Your Chrysler Concorde insurance rate is a complex equation

It’s important that you understand some of the elements that go into determining your insurance rates. Understanding what influences your rates enables informed choices that could result in much lower annual insurance costs.

  • Pleasure use saves money – The more miles you rack up on your Chrysler every year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. An improperly rated Concorde may be wasting your money. Double check that your insurance policy is rated on how each vehicle is driven, because it can save money.
  • Policy add-ons can waste money – There are many extra coverages that can waste your money when buying insurance. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Don’t skimp on liability – Liability insurance provides coverage if you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Multi-policy discounts can save money – Some insurers will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to ensure the best deal.
  • With age comes lower rates – Teen drivers have a tendency to be less responsible when driving so insurance rates are higher. Adding a young driver to your insurance policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Traffic citations inflate rates – Your driving citation history has a huge affect on how much you pay. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Only having one speeding ticket may increase your cost forty percent or more. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.

Take discounts and save

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you complete an application, but some must be requested specifically before they will apply.

  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Concorde coverage than their less cautious counterparts.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down your premiums.

Insurance companies that may have these benefits may include but are not limited to:

Double check with every prospective company how you can save money. Discounts may not apply in every state.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out whether you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Is my trailer covered?
  • Can my teen drive my company car?
  • Am I missing any policy discounts?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford to buy a different vehicle if my 2004 Chrysler Concorde is totaled?
  • What is an SR-22 filing?
  • Should I bundle my homeowners policy with my auto?
  • What happens if I owe more than my 2004 Chrysler Concorde is worth?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage options for a Chrysler Concorde

Having a good grasp of car insurance 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.

Uninsured and underinsured coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2004 Chrysler Concorde.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as loss of income, pain and suffering, legal defense fees and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, vandalism, falling objects and hail damage. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays for damage to your Concorde from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, backing into a parked car, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, prosthetic devices and nursing services. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

You just learned a lot of tips how to compare 2004 Chrysler Concorde insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest premiums are with an unexpected company.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, high rates after DUI convictions, an unsatisfactory settlement offer or even poor customer service. Regardless of your reason for switching companies, finding the right insurance provider is actually quite simple.

The cheapest insurance can be purchased both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

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