Cheaper 1992 Chrysler Town and Country Insurance Rates

Want lower insurance rates for your Chrysler Town and Country? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me when I say there are many people just like you.

Multiple insurers compete to insure your vehicles, so it can be very hard to choose a provider to find the absolute best price available.

How to Compare Auto Insurance Rates

Performing a rate comparison can take time and effort if you don’t know the easiest way. You can spend your afternoon talking to insurance companies in your area, or you can utilize the web to maximize your effort.

Most car insurance companies belong to an insurance system that allows shoppers to submit one quote, and every company can give them a price based on that information. This system prevents you from having to do form submissions to every company.

To find out how much you’re overpaying now click to open in new window.

The only downside to doing it this way is that consumers can’t choose the providers you want pricing from. So if you want to choose from a list of companies to compare prices, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage limits and deductibles for every quote you compare. If your comparisons have different deductibles then you won’t be able to decipher which rate is best. Just a small difference in coverages can mean a large discrepancy in price. Keep in mind that getting more free quotes will improve the odds of getting better pricing.

Is my situation unique?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might point out if your situation could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage for damage caused while driving under the influence?
  • What discounts do I qualify for?
  • Does insurance cover damages from a DUI accident?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Collision protection

This pays for damage to your Town and Country resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chrysler Town and Country.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Liability car insurance

This can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as pain and suffering, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills like funeral costs, rehabilitation expenses, X-ray expenses, hospital visits and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from flooding, hitting a deer and a broken windshield. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.