2013 Chrysler Town and Country Insurance Cost – 8 Tricks for Cheaper Prices

Searching for the cheapest car insurance rates for your Chrysler Town and Country? Locating the cheapest insurance for a new or used Chrysler Town and Country could be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to find car insurance online so you’re going to learn the proper way to price shop coverage for a new or used Chrysler and locate the lowest price.

It’s a good idea to compare rates every six months because insurance rates go up and down regularly. Just because you found the best deal for Town and Country coverage a year ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to find out the fastest and easiest way to get good coverage at a lower rate.

Discounts mean cheaper Chrysler Town and Country insurance rates

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. A few discounts will automatically apply at quote time, but some may not be applied and must be inquired about before they will apply. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on your policy for Town and Country coverage.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
  • No Accidents – Claim-free drivers can earn big discounts when compared to bad drivers.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your premiums.

Insurance companies that possibly offer these money-saving discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Discounts may not apply in every state.

Tailor your coverage to you

When buying the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if you will benefit from professional help.

  • How much can I save by bundling my policies?
  • Is a blown tire covered by insurance?
  • What is covered by UM/UIM coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Buyer beware of insurance advertising tricks

Consumers constantly see and hear ads for cheaper car insurance by Allstate and Progressive. They all seem to have a common claim that you can save if you change to their company.

But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that is profitable for them. For example, a desirable insured could possibly be a mature driver, has no driving citations, and drives less than 7,500 miles a year. A customer who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Potential customers who are not a match for the requirements will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save money. This is how companies can claim big savings.

Because of the profiling, it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict which company will provide you with the cheapest Chrysler Town and Country insurance rates.

Auto insurance policy specifics

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers 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 Town and Country.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Liability car insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs, attorney fees, emergency aid and loss of income. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Town and Country resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive protection

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, 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 it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, X-ray expenses, prosthetic devices, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

In conclusion

Cost effective 2013 Chrysler Town and Country insurance can be found on the web and with local insurance agents, so you should compare both to have the best selection. Some insurance coverage companies do not offer online quoting and these smaller companies work with independent agents.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

People who switch companies do it for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, not issuing a premium refund and even delays in paying claims. Regardless of your reason, finding a great new company can be less work than you think.

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