1995 Chrysler Le Baron Insurance Quotes – 10 Tips for Cheaper Rates

Trying to find the cheapest insurance rates for your Chrysler Le Baron? Are you sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners.

Companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Consumers should take time to price shop coverage on a regular basis because rates go up and down regularly. Even if you got the lowest price on Le Baron insurance six months ago other companies may now be cheaper. There is a lot of bad information regarding insurance online but with this article, you’re going to get some great ways to buy insurance cheaper.

If you are paying for car insurance now, you should be able to save some money using this information. Buying car insurance is not rocket science. Although drivers do need to know how big insurance companies price insurance differently and apply this information to your search.

These ten discounts can lower your rates

Auto insurance companies do not advertise every discount very clearly, so we researched both the well known as well as the least known ways to save on insurance.

  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Le Baron insurance than less cautious drivers.
  • Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chrysler could qualify for discounted rates on garaged vehicles.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Bundle and Save – When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Life Insurance – Some companies give lower rates if you buy auto and life insurance together.

Consumers should know that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that may have some of the above discounts include:

Before buying, ask each insurance company which discounts they offer. Savings might not be offered everywhere.

The quickest method we recommend to compare insurance rates from multiple companies is to understand most insurance companies allow for online access to compare rate quotes. All you need to do is give them some information like whether or not you need a SR-22, your credit rating estimate, whether you are single or married, and how much coverage you want. Those rating factors is instantly sent to insurance carriers in your area and they respond with quotes quickly.

To start a quote now, click here and enter your zip code.

Different people need different coverages

When buying adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • How many claims can I have before being cancelled?
  • Do I need added coverage for expensive stereo equipment?
  • When should I buy a commercial auto policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Where can I get insurance after a DUI in my state?
  • How do I buy GAP insurance?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chrysler Le Baron.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

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

Comprehensive can pay for things such as damage from flooding, fire damage and theft. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills like doctor visits, X-ray expenses, rehabilitation expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like bail bonds, loss of income, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision coverage

This coverage pays for damage to your Le Baron from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Buy Smart and Save

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Cheaper 1995 Chrysler Le Baron insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Even more information can be read in these articles: