1996 Chrysler Sebring Insurance Quotes – 5 Tips for Cheaper Rates

Searching for lower car insurance rates for your Chrysler Sebring? Are you a victim of high-priced car insurance? Trust us, many consumers feel financially strained by their car insurance policy.

Drivers have multiple auto insurance companies to choose from, and although it’s nice to have a choice, it can be more difficult to compare rates.

It’s a good habit to shop coverage around before your policy renews due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest price on Sebring coverage a year ago other companies may now be cheaper. So ignore everything you know about car insurance because you’re going to learn one of the best ways to reduce your cost while increasing coverage.

Discounts to lower 1996 Chrysler Sebring insurance rates

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but some must be asked about before you will receive the discount.

  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Accident Free – Claim-free drivers pay less when compared to bad drivers.
  • Defensive Driving Course – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because owning a home is proof that your finances are in order.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

For a list of insurers who offer car insurance discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine whether or not you will benefit from professional help.

  • What is the minimum liability in my state?
  • If my 1996 Chrysler Sebring is totaled, can I afford another vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • What happens if I owe more than my 1996 Chrysler Sebring is worth?
  • Is a blown tire covered by insurance?
  • I have a DUI can I still get coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What can I do if my company denied a claim?
  • How high should my medical payments coverage be?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Advertising myths

Companies like Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. All the ads make the same claim about savings if you change to their company. How can each company make the same claim? This is how they do it.

Different companies can use profiling for the type of customer that earns them a profit. A good example of a profitable customer might be between the ages of 40 and 55, has no tickets, and has a short commute. Any new insured that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Drivers who are not a match for these standards will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can claim big savings.

Because of the profiling, you need to compare as many rates as you can. You cannot predict which insurance coverage company will fit your personal profile best.

Auto insurance coverages

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Liability insurance

This provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, repair costs for stationary objects, court costs, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chrysler Sebring.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like dental work, funeral costs, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

This will pay to fix damage to your Sebring resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Feed the piggy bank

Cost effective 1996 Chrysler Sebring insurance can be bought online as well as from independent agents, so you should compare both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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