Save on 2000 Chrysler Grand Voyager Insurance Rates

Scraping up a payment for overpriced Chrysler Grand Voyager insurance can take a big chunk out of your bank account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Because you have many choices, it’s nearly impossible to locate the most affordable insurer.

How to Compare Car Insurance Quotes

Performing a rate comparison can be a lot of work if you don’t know the most efficient way. You can waste a few hours (or days) talking to insurance companies in your area, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company can give them a price determined by their information. This eliminates the need for quotation requests for each company.

To participate in this free quote system, click to open in new window.

The one downside to using this type of system is you are unable to specify which providers you want pricing from. So if you prefer to pick from a list of companies to compare, we have a listing of car insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure to compare identical deductibles and coverage limits for each comparison quote. If the quotes have different limits and deductibles on each one it will be very difficult to truly determine the lowest rate.

Do you qualify for a discount?

Insuring your fleet can be pricey, buy you may qualify for discounts to help offset the cost. Most are applied when you purchase, but a few need to be asked for before being credited. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
Homeowners Savings – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
Lower Rates for Military – Being deployed with a military unit can result in better rates.
New Vehicle Savings – Buying coverage on a new vehicle is cheaper compared to insuring an older model.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will bring down your overall premium however.

To see a list of insurers with the best insurance coverage discounts, click here.

What coverages do I need?

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you may require specific advice.

Does having multiple vehicles earn me a discount?
Are my friends covered when driving my car?
Is business property covered if stolen from my car?
How much underlying liability do I need for an umbrella policy?
Do I have coverage when using my vehicle for my home business?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Learn about car insurance coverages for a 2000 Chrysler Grand Voyager

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chrysler Grand Voyager.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, nursing services, pain medications, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

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

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for 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. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.