2001 Chrysler LHS Car Insurance Quotes – 8 Ideas for Cheapest Rates

Want lower insurance coverage rates for your Chrysler LHS? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Believe me when I say you’re not the only one. Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company to get the cheapest price

It’s a good idea to get comparison quotes once or twice a year because rates fluctuate regularly. Despite the fact that you may have had the best deal on LHS insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to find better coverage at a better price.

Pay less by taking advantage of these eight discounts

Companies don’t always list all their discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find car insurance savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • 55 and Retired – If you’re over the age of 55, you may qualify for better car insurance rates on LHS insurance.
  • Passive Restraints and Air Bags – Cars that have air bags can get savings of 20% or more.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • No Accidents – Good drivers with no accidents can save substantially as compared to frequent claim filers.
  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

For a list of providers with discount car insurance rates, follow this link.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help highlight whether your personal situation could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Is my teen driver covered when they drive my company car?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when using my vehicle for my home business?
  • Is my state a no-fault state?
  • What is high-risk coverage and where do I buy it?
  • Is my 2001 Chrysler LHS covered for smoke damage?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?

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 agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for ambulance fees, hospital visits and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverages

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision insurance

This covers damage to your LHS resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, hitting a mailbox, crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, fire damage, a tree branch falling on your vehicle, hail damage and vandalism. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chrysler LHS.

Due to the fact that many drivers carry very low liability coverage limits, 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.

Be Smart and Buy Smart

As you prepare to switch companies, do not reduce coverage to reduce premium. Too many times, someone dropped collision coverage only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented a lot of techniques to shop for 2001 Chrysler LHS insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

Cheaper insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

More information is available at these links: