How Much Does 1997 Chrysler LHS Insurance Cost?

Looking for better car insurance rates for your Chrysler LHS? Having to pay for overpriced Chrysler LHS insurance can drain your savings account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Drivers have multiple auto insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more challenging to compare company pricing.

Why you might be paying too much to insure your Chrysler LHS

Consumers need to have an understanding of the different types of things that go into determining insurance coverage rates. Knowing what controls the rates you pay enables informed choices that may reward you with better insurance coverage rates.

  • Where you reside plays a part – Being located in less populated areas can save you money when buying insurance coverage. Fewer people means a lower chance of having an accident. Drivers who live in large cities tend to have traffic congestion and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Car features impact rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Liability coverage is peace of mind – Liability coverage is the protection when a jury decides you are liable for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Marriage pays dividends – Getting married actually saves money on your policy. It translates into being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Bundling policies can get discounts – Many insurance coverage companies provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal.

Cut your premium with discounts

Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. Some trigger automatically when you purchase, but a few need to be specially asked for before you will receive the discount.

  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on LHS coverage with a few insurance companies.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Low Mileage Discounts – Fewer annual miles on your Chrysler could qualify for lower rates on the low mileage vehicles.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.

Drivers should understand that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will reduce the cost of coverage.

To see a list of providers offering insurance discounts, click this link.

What is the best insurance coverage?

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Do I need special endorsements for business use of my vehicle?
  • What are the financial responsibility laws in my state?
  • Do I have coverage when making deliveries for my home business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How high should my medical payments coverage be?
  • How can I get high-risk coverage after a DUI?
  • Is my trailer covered?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, damage from getting keyed, falling objects and a broken windshield. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, hitting a parking meter and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as funeral expenses, pain and suffering, repair costs for stationary objects and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, prosthetic devices, chiropractic care and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Save for a rainy day

When you buy insurance online, never sacrifice coverage to reduce premiums. In many cases, an insured cut liability limits or collision coverage and discovered at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find at a price you can afford.

Budget-conscious 1997 Chrysler LHS insurance is attainable both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information can be read by following these links: