Save on 1997 Chrysler Cirrus Insurance Quotes

Searching for cheaper insurance coverage rates for your Chrysler Cirrus? Buying car insurance is not a process people appreciate, but your state requires it before the rubber hits the road.

How to Compare Insurance

Performing a rate comparison can take hours if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use online quoting to get pricing more quickly.

Many popular insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and every company then gives them pricing based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you don’t know exactly the insurers you want to price. If you prefer to choose from a list of companies to compare prices, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

Whichever way you use, ensure you’re using apples-to-apples coverage information on every quote. If you use different deductibles you will not be able to determine which rate is truly the best. Just a small difference in insurance coverages may result in large price differences. And when comparison shopping, comparing more company’s prices helps you find better pricing.

Do you qualify for discounts?

Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known car insurance savings.

  • Drivers Education – Require your teen driver to enroll in driver’s education in school.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Cirrus coverage depending on your company.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • No Accidents – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.

Keep in mind that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way.

For a list of providers offering car insurance discounts, follow this link.

Don’t assume everyone needs the same coverage

When choosing the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique.

For example, these questions might point out whether you might need professional guidance.

  • Am I covered if I break a side mirror?
  • Does my insurance cover a custom paint job?
  • What is the rate difference between pleasure use and commuting?
  • Is upholstery damage covered by car insurance?
  • Who is covered by my policy?
  • Am I missing any policy discounts?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Parts of your insurance policy

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability insurance

Liability insurance can cover damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like medical services, legal defense fees, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, nursing services and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

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

Collision insurance covers things like sideswiping another vehicle, backing into a parked car, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chrysler Cirrus.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.