1995 Chrysler Town and Country Car Insurance Quotes – 6 Ideas for Best Rates

Want cheaper insurance rates for your Chrysler Town and Country? Using the web to shop for insurance is challenging if you’ve never compared online quotes. But don’t let that discourage you because comparing prices is actually very simple.

Consumers should take time to price shop coverage quite often since insurance rates trend upward over time. Even if you got the lowest price for Town and Country insurance six months ago you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to learn the best way to get good coverage at a lower rate.

Finding the best rates is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. But car owners need to have an understanding of the way companies determine prices and apply this information to your search.

Don’t miss out on these six money-saving discounts

Companies that sell car insurance do not list all their discounts in a way that’s easy to find, so we break down both the well known as well as the least known savings tricks you should be using.

  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Town and Country insurance.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Town and Country insurance than drivers with accident claims.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance from them.

It’s important to understand that many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of companies with discount insurance coverage rates, click here to view.

Quick Car Insurance Quotes

To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The quickest method to find the cheapest 1995 Chrysler Town and Country insurance rates consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

  1. The best way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing boring form submissions to each individual car insurance company. Taking the time to complete one form will get you rate comparisons from all major companies. Just one form and you’re done.
  2. A different way to obtain and compare quotes online consists of going to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you want to compare rates from Allstate, 21st Century and American Family. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, ensure you’re using apples-to-apples coverages for each comparison quote. If you are comparing differing limits you will not be able to make an equal comparison. Slightly different coverage limits may cause a big price difference. Keep in mind that quoting more provides better odds of finding lower pricing.

Do I need special coverages?

When buying the best insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Do I need an umbrella policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have any recourse if my insurance company denies a claim?
  • Will my insurance pay for OEM parts?
  • Am I better off with higher deductibles on my 1995 Chrysler Town and Country?
  • Where can I find high-risk insurance?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage basics

Having a good grasp of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1995 Chrysler Town and Country.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This coverage pays for damage to your Town and Country from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, colliding with a tree, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, nursing services, dental work and prosthetic devices. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage


Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. It does not 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 commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical services, attorney fees, repair bills for other people’s vehicles, medical expenses and court costs. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Feed the piggy bank

Cheaper 1995 Chrysler Town and Country insurance can be sourced online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When shopping online for insurance, do not reduce needed coverages to save money. In many cases, an accident victim reduced liability limits or collision coverage to discover at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible for the lowest price while still protecting your assets.

People who switch companies do it for any number of reasons including policy non-renewal, extreme rates for teen drivers, poor customer service and even high rates after DUI convictions. Whatever your reason, finding a great new company is easier than you think.

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