Lower Your 1996 Chrysler LHS Insurance Rates

Drivers have options when trying to find affordable Chrysler LHS insurance. They can either spend hours contacting agents to compare prices or leverage the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance and you need to know the quickest way to price shop coverage for a Chrysler and get the lowest price.

Cut your insurance coverage rates with discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but a few must be asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • 55 and Retired – If you’re over the age of 55, you may qualify for reduced rates for LHS coverage.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Accident Free – Drivers who don’t have accidents pay less when compared to frequent claim filers.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. Some discounts might not be offered everywhere.

Quick Insurance Quotes

Cutting your insurance rates is surprisingly easy. All that’s required is to take the time comparing rates online from several insurance companies. It is quite easy and can be accomplished in several different ways.

The recommended way to find low rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for repetitive form entry for each company you want a rate for. A single form gets you price quotes instantly. This is perfect if you don’t have a lot of time.

Another way to compare rate quotes requires a trip to each company’s website to request a price quote. For instance, let’s assume you want rates from Auto-Owners, Safeco and Allstate. To get each rate you have to visit each site to enter your coverage information, 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 which method you use, but be sure to compare identical coverage limits for every company. If you use differing limits it’s not possible to find the best deal for your Chrysler LHS.

Factors that can influence Chrysler LHS insurance rates

Smart consumers have a good feel for the rating factors that go into determining your insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with lower insurance prices.

Listed below are a few of the “ingredients” that factor into rates.

  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for insurance? Occupations such as real estate brokers, architects and accountants have higher rates than average because of high stress levels and lots of time spent at work. On the flip side, jobs such as scientists, athletes and homemakers get better rates for LHS coverage.
  • How your age affects price – Older drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Young drivers tend to be careless and easily distracted behind the wheel therefore insurance rates are much higher.
  • Multiple policies with one company can save – Most companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to shop around to ensure the best deal. You may still be able to find better rates by splitting coverages up.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies award cheaper rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • A lapse in coverage is a bad thing – Letting your insurance expire will be a quick way to pay more for insurance. And not only will your rates increase, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • More people means more accidents – Living in less populated areas can be a good thing when insuring your vehicles. Lower population means reduced accidents and also fewer theft and vandalism claims. Urban drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times means more change of being in an accident.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if ever you are found to be at fault for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

You are unique and your insurance should be too

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help you determine if you may require specific advice.

  • Is my teenager covered with friends in the car?
  • How do I buy GAP insurance?
  • Does my personal policy cover me when driving out-of-state?
  • When should I not file a claim?
  • Is motorclub coverage worth it?
  • Do I need higher collision deductibles?
  • Do I need more liability coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Are you falling for claims of savings?

Drivers constantly see and hear ads for car insurance savings from companies such as State Farm and Allstate. They all seem to make the same claim that you can save if you change your policy.

How do they all say the same thing?

All companies have a certain “appetite” for the type of driver that makes them money. For example, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and has great credit. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don’t meet these standards will have to pay a higher premium which leads to business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, drivers should compare as many rates as you can. Because you never know the company that will give you the biggest savings on Chrysler LHS insurance.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as attorney fees, medical expenses, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This pays for damage to your LHS resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, colliding with a tree, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like doctor visits, prosthetic devices and nursing services. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Buy online or local, you save

Low-cost 1996 Chrysler LHS insurance can be found both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

We just covered many ideas to shop for insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with some of the lesser-known companies.

When shopping online for insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

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