1993 Chrysler Concorde Car Insurance Rates – 10 Tricks for Cheapest Quotes

Searching for better insurance coverage rates for your Chrysler Concorde? Locating better insurance prices for your Chrysler Concorde could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the best way to get price quotes for a Chrysler and find the best price possible.

If you have a current insurance policy or need new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Locating affordable insurance is easy if you know what you’re doing. Drivers just need to learn the most effective way to compare rates online.

Save big with these ten discounts

Companies that sell car insurance don’t always list every available discount in a way that’s easy to find, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Multiple Policy Discount – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Concorde insurance.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of up to 25% or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Paperwork-free – Some insurance companies give back up to $50 simply for signing on their website.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Accident Waiver – A few companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.

It’s important to note that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.

Companies who might offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Savings may not apply in your state.

But I don’t know anything about car insurance

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Am I missing any policy discounts?
  • How can I get high-risk coverage after a DUI?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I crash into my own garage door?
  • Should I waive the damage coverage when renting a car?
  • Where can I get insurance after a DUI in my state?
  • What if I owe more than I can insure my car for?
  • Does my 1993 Chrysler Concorde qualify for pleasure use?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Switch companies and save? Really?

Consumers can’t ignore all the ads for the lowest price auto insurance by State Farm and Allstate. All the ads have a common claim of big savings after switching to their company.

How do they all make almost identical claims?

Different companies have a certain “appetite” for the type of customer they prefer to insure. For instance, a preferred risk might be between 30 and 50, insures multiple vehicles, and chooses high deductibles. A driver that hits that “sweet spot” will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don’t measure up to the “perfect” profile must pay more money which leads to business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the way they do. This illustrates why you absolutely need to get as many quotes as possible. You cannot predict which insurance companies will provide you with the cheapest Chrysler Concorde insurance rates.

Auto insurance 101

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills such as funeral costs, chiropractic care and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

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

Comprehensive coverage protects against claims like hitting a bird, falling objects, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

This covers damage to your Concorde caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance can cover damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like structural damage, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Power to the consumer

We just showed you quite a bit of information on how to reduce 1993 Chrysler Concorde insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

Low-cost insurance is available on the web as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage and learned later that they should have had better coverage. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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