2015 Chrysler Town and Country Insurance Quotes

Are you tired of paying out the nose to insure your Chrysler every month? You are in the same boat as many other drivers.

Because there are so many different company options, it’s nearly impossible to find the lowest cost insurance company.

You probably qualify for some discounts

Companies offering auto insurance do not advertise all their discounts in a way that’s easy to find, so here is a list some of the best known and the harder-to-find auto insurance savings.

  • Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings on your policy on Town and Country coverage.
  • Sign Online – A handful of insurance companies will give a small break simply for signing on their website.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Senior Discount – Mature drivers may receive reduced rates on Town and Country coverage.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Companies that possibly offer these benefits include:

Double check with each company which discounts they offer. Savings may not apply in your area.

Finding Insurance Deals

The are a couple different ways of comparing rate quotes and find the best price. The simplest method to find competitive 2015 Chrysler Town and Country insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

  1. The recommended way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate forms to each individual insurance company. In just a few minutes this one form will get you price quotes from many national carriers.
  2. A slightly less efficient method to obtain and compare quotes online requires visiting each company’s website and complete a new quote form. For instance, we’ll pretend you want to compare rates from Allstate, Liberty Mutual and Travelers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverage information with each company. If you have mixed coverages it will be impossible to make a fair comparison for your Chrysler Town and Country. Having just a slight variation in coverage limits can result in a big premium difference. And when quoting insurance, remember that obtaining a wide range of quotes will improve the odds of getting better pricing.

Chrysler Town and Country insurance rates can be determined by these details

It’s important that you understand the factors that come into play when calculating car insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • With age comes lower rates – Mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are statistically proven to be more careless in a vehicle and because of this, their car insurance rates are much higher.
  • Rates may be lower depending on your job – Did you know your car insurance rates can be affected by your occupation? Occupations such as real estate brokers, executives and accountants are shown to have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, jobs such as farmers, athletes and performers pay the least on Town and Country coverage.
  • Better crash test results mean better rates – Safer cars get lower rates. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Chrysler Town and Country earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Traffic citations inflate rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records have lower premiums than bad drivers. Just one moving violation may increase your cost by twenty percent. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Don’t cancel a policy without a new one in place – Allowing your car insurance policy to lapse is a sure-fire way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your spouse saves you money – Having a spouse can actually save you money when buying car insurance. Marriage usually means you are more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • More than one policy can earn a discount – Some insurers provide better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.

There’s no such thing as the perfect policy

When choosing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help highlight if you could use an agent’s help.

  • Does liability extend to a camper or trailer?
  • Is my dog or cat covered if injured in an accident?
  • Are rock chip repairs covered?
  • What is high-risk coverage and where do I buy it?
  • Do I need replacement cost coverage on my 2015 Chrysler Town and Country?
  • Do I need replacement cost coverage?
  • How high should deductibles be on a 2015 Chrysler Town and Country?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

The insurance bait and switch

Insurance companies such as State Farm and Allstate continually stream television and radio advertisements. They all seem to make the same claim that you can save after switching to their company. How does each company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the driver they prefer to insure. A good example of a driver they prefer could be over the age of 50, is a homeowner, and chooses high deductibles. A propective insured who fits that profile will get the preferred rates and most likely will save a lot of money.

Consumers who don’t measure up to the “perfect” profile will be quoted more money and this can result in business not being written. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make the claims of big savings. This emphasizes why it is so important to compare many company’s rates. You cannot predict the company that will give you the biggest savings on Chrysler Town and Country insurance.

Specific coverages for a Chrysler Town and Country

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass, damage from getting keyed and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, crashing into a building, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as legal defense fees, loss of income, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chrysler Town and Country.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for EMT expenses, X-ray expenses, rehabilitation expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

In this article, we covered many ways to compare 2015 Chrysler Town and Country insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from some of the lesser-known companies. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to regret that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.

To read more, take a look at the resources below: