2000 Chrysler Cirrus Car Insurance Quotes

Scraping up a payment for overpriced Chrysler Cirrus insurance can drain your savings account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to cut your insurance bill. There are many insurance companies to pick from, and although it’s a good thing to have a selection, having more auto insurance companies makes it harder to compare rates.

Lower rates by qualifying for discounts

Companies don’t list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Military Rewards – Being deployed with a military unit can result in better rates.

Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous.

Car insurance companies that possibly offer these benefits include:

Check with each insurance company how you can save money. Discounts may not be available in your area.

The best way to get policy rate comparisons is to realize auto insurance companies participate in a system to give free rates quotes. To get started, all you need to do is provide information like an estimate of your credit level, driver ages, if you went to college, and if you require a SR-22. That information is automatically sent to multiple car insurance providers and you will receive price estimates with very little delay.

To start a rate quote now, click here and enter your coverage details.

Car insurance is unique, just like you

When buying the best insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs may require specific advice.

  • Why does it cost so much to insure a teen driver?
  • Do I have newly-aquired coverage?
  • Am I covered when pulling a rental trailer?
  • Am I covered if my car is in a flood?
  • Can I still get insurance after a DUI?
  • Do I have coverage when making deliveries for my home business?
  • Is a fancy paint job covered?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions, then you may want to think about talking to 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. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy coverages for a 2000 Chrysler Cirrus

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Liability coverages

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as medical expenses, structural damage, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chrysler Cirrus.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like hospital visits, rehabilitation expenses and surgery. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision insurance

Collision insurance will pay to fix damage to your Cirrus from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, rolling your car, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, a broken windshield, rock chips in glass, hitting a bird and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Save for a rainy day

Low-cost 2000 Chrysler Cirrus insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone dropped collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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