1993 Chrysler Town and Country Car Insurance Cost – 8 Tips to Save

Looking for lower insurance rates for your Chrysler Town and Country? Are you a victim of overpriced insurance? Believe me when I say there are lots of people in the same boat.

Multiple auto insurance companies compete for your business, so it can be very hard to choose a insurance company and get the definite lowest rate possible.

If you are paying for car insurance now, you should be able to save some money using this strategy. Finding the best rates is not that difficult. But consumers can benefit by having an understanding of how insurance companies price online insurance because it can help you find the best coverage.

Discounts are basically free money

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but some may not be applied and must be inquired about before you get the savings.

  • Senior Citizens – Older drivers may qualify for a small decrease in premiums on Town and Country insurance.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Town and Country insurance with a few insurance companies.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more if your company offers it.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates when buying insurance on Town and Country insurance.
  • Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will cut your overall premium however.

To see a list of providers with the best insurance discounts, click here to view.

Free Quotes for Insurance

Comparing insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use the web for quick rates.

Many of the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and each participating company then returns a price quote based on that information. This prevents consumers from doing quote requests to each company.

To access this free quoting program, click to open in new window.

The one disadvantage to comparing rates this way is you can’t choose the companies to get quotes from. If you prefer to choose individual companies to compare prices, we put together a list of insurance companies in your area. View list of insurance companies.

Whichever method you choose, make sure you use the exact same deductibles and coverage limits with every price quote. If you are comparing higher or lower deductibles it’s impossible to find the best deal for your Chrysler Town and Country. Having just a slight variation in coverages may cause a big price difference. Keep in mind that comparing more company’s prices will increase your chances of finding the best price.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • What can I do if my company won’t pay a claim?
  • Is extra glass coverage worth it?
  • Should I waive the damage coverage when renting a car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, pain medications, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, medical services, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Coverage for collisions

This coverage pays for damage to your Town and Country resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, driving through your garage door, colliding with a tree, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This protects you and your vehicle 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 a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

A penny earned…

While you’re price shopping online, never sacrifice coverage to reduce premiums. There are too many instances where an insured cut full coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford.

We just covered quite a bit of information on how to get a better price on 1993 Chrysler Town and Country insurance. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced insurance coverage comes from a small mutual company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

More tips and info about insurance coverage can be found in the articles below: