1997 Chrysler Cirrus Car Insurance Cost – 9 Savings Tips

Want lower insurance coverage rates? Drivers have lots of choices when trying to find low-cost Chrysler Cirrus insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to buy insurance coverage and you need to know the best way to compare rates on a Chrysler and locate the best price possible either online or from local insurance agents.

Comprehensive Insurance Coverage Comparison

Most companies such as Progressive, Allstate and Geico allow you to get prices for coverage on their websites. Getting online rates is pretty easy as you just type in the coverage amounts you desire as requested by the quote form. When complete, the system obtains credit information and your driving record and provides a quote.

Online quotes makes comparing rates easy, but the process of having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to compare as many rates as possible in order to find the lowest price.

The smarter way to locate the lowest prices is to use a quote form that obtains quotes from several different companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. After your information is entered, it is rated with multiple companies and you can pick your choice of the quote results.

If you find a better price you can simply submit the application and buy the policy. This process takes 15 minutes at the most and may save quite a bit of money.

To save time and compare rates now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in deductibles and limits exactly as they are listed on your policy. This helps ensure you are getting an apples-to-apples comparison for similar coverage.

Be sure to get all your discounts

The price of auto insurance can be rather high, but you may find discounts that you may not know about. Certain discounts will be applied when you purchase, but lesser-known reductions have to be requested specifically before you will receive the discount. If you don’t get every credit available, you are paying more than you should be.

  • Sign Online – A few companies may give you up to $50 for buying your policy online.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Cirrus coverage than drivers with accidents.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums on Cirrus coverage.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will reduce the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts include:

Check with each insurance company what discounts are available to you. Discounts may not apply in every state.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique.

These are some specific questions might help in determining if your situation could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I buy full coverage?
  • What is high-risk coverage and where do I buy it?
  • Do I have coverage when making deliveries for my home business?
  • Is pleasure use cheaper than using my 1997 Chrysler Cirrus to commute?
  • Where can I get insurance after a DUI in my state?
  • Why do I need rental car insurance?
  • Which companies will insure high-risk drivers?
  • Should I waive the damage coverage when renting a car?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance 101

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a deer, theft, vandalism and damage from flooding. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for EMT expenses, hospital visits, nursing services and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Cirrus.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Collision protection

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

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle, crashing into a ditch, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, funeral expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.