1999 Chrysler LHS Insurance Rates – 9 Policy Discounts

If shopping for car insurance online is new to you, it’s easy to be confused by the vast number of online companies selling insurance.

You need to price shop coverage quite often because rates change frequently. Just because you found the lowest price on LHS coverage on your last policy other companies may now be cheaper. Starting right now, forget all the misinformation about car insurance because I’m going to teach you the things you must know in order to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. The purpose of this post is to tell you how to get online quotes and some tricks to saving. But drivers do need to understand the way companies market on the web.

The quickest method to compare car insurance company rates is to understand most of the larger companies have advanced systems to give rate comparisons. The only thing you need to do is give them rating details like how much education you have, coverage limits, whether your vehicle is owned or leased, and if your license is active. The data is then submitted to many highly-rated insurers and they return rate quotes instantly to find the best rate.

To compare multiple company rates now, click here and complete the form.

Discounts mean cheaper 1999 Chrysler LHS insurance rates

Companies that sell car insurance don’t always publicize every discount very well, so we researched both the well known and also the lesser-known ways to save on insurance coverage.

  • E-sign – A few companies give back up to $50 simply for signing digitally online.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on LHS coverage than less cautious drivers.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save 5% or more.
  • No Claims – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

For a list of providers with the best insurance coverage discounts, click this link.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Am I covered when delivering products for my home-based business?
  • Does my insurance cover a custom paint job?
  • When should I not file a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Can I get a multi-policy discount?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Save $455 a year? Really?

State Farm and Allstate consistently run television and radio advertisements. All the companies make the same claim that you can save if you change your coverage to them. But how can every company say the same thing? It’s all in the numbers.

Insurance companies can use profiling for the right customer they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, has no prior claims, and has a high credit rating. Any driver who matches those parameters receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the “perfect” profile will be quoted a more expensive rate and this can result in business going elsewhere. The ads state “drivers who switch” not “people who quote” save money. That’s why companies can make those claims. This emphasizes why drivers must get as many comparisons as possible. It’s impossible to know which company will provide you with the cheapest Chrysler LHS insurance rates.

Specific coverages for a 1999 Chrysler LHS

Having a good grasp of your car insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t 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 commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as court costs, pain and suffering, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses like hospital visits, funeral costs, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, vandalism, hail damage, hitting a deer and rock chips in glass. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This will pay to fix damage to your LHS caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chrysler LHS.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Smart shoppers get results

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.

You just read some good ideas how to shop for 1999 Chrysler LHS insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with an unexpected company.

Cost effective insurance can be purchased on the web and with local insurance agents, so you should compare both to have the best rate selection. A few companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Much more information about insurance coverage is available on the following sites: