Lower Your 2012 Chrysler Town and Country Insurance Rates

Trying to find cheaper car insurance rates for your Chrysler Town and Country? No one in their right mind looks forward to paying for car insurance, especially knowing they are paying too much. Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers to discover the definitive lowest cost out there.

It’s a good idea to do rate comparisons periodically because prices fluctuate regularly. Despite the fact that you may have had the best rates for Town and Country coverage six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online but by reading this article, you’re going to learn some excellent ideas to slash your car insurance rates.

If you are insured now or are looking for a new policy, you can use this information to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners only need an understanding of the proper way to find the lowest price online.

Don’t miss these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply when you complete an application, but some must be specifically requested prior to getting the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Accident Free – Good drivers with no accidents can earn big discounts compared to accident-prone drivers.
  • Student in College – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Accident Waiver – Certain companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Town and Country coverage than their less cautious counterparts.
  • 55 and Retired – Older drivers may receive a small decrease in premiums for Town and Country coverage.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

Keep in mind that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way. But any discount will help reduce the amount you have to pay.

To see a list of providers offering car insurance discounts, click here.

How to Compare Insurance Costs

Getting a cheaper price on 2012 Chrysler Town and Country insurance can be relatively painless. All you need to do is spend a little time comparing rates online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to get quotes is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do boring form submissions for each company. A single, simple form gets you price quotes instantly.
  • A more difficult way to find lower rates consists of visiting the website for every company you want to comare to request a price quote. For sake of this example, we’ll pretend you want to compare rates from Geico, 21st Century and Progressive. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same deductibles and coverage limits on every quote you get. If you enter differing limits it’s not possible to make an equal comparison.

Why your Chrysler Town and Country insurance rates may be high

It’s important that you understand the different types of things that go into determining the price you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

Listed below are some of the factors auto insurance companies consider when setting your rates.

  • Don’t cancel a policy without a new one in place – Not having insurance can get your license suspended and your next policy will cost more because you let your insurance lapse. Not only will you pay more, but being ticketed for driving with no insurance can result in a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Discounts for married couples – Having a spouse actually saves money on auto insurance. Having a significant other usually means you are more responsible it has been statistically shown that being married results in fewer claims.
  • Cautious drivers pay less – Good drivers receive lower rates than people who have multiple driving citations. Even a single moving violation can increase rates twenty percent or more. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Extra add-on coverages are wasting money – There are a lot of extra coverages you can purchase if you aren’t careful. Things like personal injury protection, better glass coverage and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so remove them from your policy.
  • More miles equals more premium – The higher the mileage driven every year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Town and Country can result in significantly higher rates.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes have accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • More people means more accidents – Residing in a rural area has it’s advantages when buying auto insurance. City drivers regularly have congested traffic and longer commutes to work. Fewer people translates into fewer accidents and a lower car theft rate.

When might I need help?

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might help in determining whether or not you could use an agent’s help.

  • What is no-fault insurance?
  • Is a blown tire covered by insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need motorclub coverage?
  • Can I drive in Mexico and have coverage?
  • What discounts do I qualify for?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Misconceptions in insurance advertisements

Consumers constantly see and hear ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim of big savings after switching your policy.

How does each company claim to save you money?

All the different companies can use profiling for the type of customer that makes them money. An example of a desirable insured could be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. A customer who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t meet the “perfect” profile will be charged more money and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that much. That is how companies can make the claims of big savings.

That is why drivers should compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest Chrysler Town and Country insurance rates.

Specific coverage details

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like pain medications, dental work, nursing services, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, falling objects, theft and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chrysler Town and Country.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, hitting a mailbox, crashing into a building, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Summing up your car insurance search

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are too many instances where an insured cut comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

In this article, we presented a lot of information how to reduce 2012 Chrysler Town and Country insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a small local company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, Geico and Nationwide.

Cheaper insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

Additional information can be found at the links below