2003 Chrysler Sebring Insurance Quotes

Having to pay for overpriced insurance coverage can take a big chunk out of your bank account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. Having so many choices of insurance companies, it can be diffult for consumers to locate the cheapest insurance company.

Smart consumers take time to get comparison quotes once or twice a year due to the fact that insurance rates are usually higher with each renewal. If you had the lowest price for Sebring insurance on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out the things you must know in order to buy cheaper insurance coverage.

The quickest method to get policy rate comparisons is to understand car insurance companies actually pay money for the chance to compare their rates. The one thing you need to do is give them some information like any included safety features, how much you drive, if you have a valid license, and whether you have decent credit. Your insurance information is then submitted to insurance carriers in your area and you receive quotes with very little delay.

Everyone needs different coverages

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • Who is covered when they drive my 2003 Chrysler Sebring?
  • If my 2003 Chrysler Sebring is totaled, can I afford another vehicle?
  • I have health insurance so do I need medical payments coverage?
  • What is covered by UM/UIM coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my camper covered by my car insurance policy?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Insurance coverage options for a 2003 Chrysler Sebring

Having a good grasp of your insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, medical services, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses for things like pain medications, EMT expenses, hospital visits, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Collision coverage – Collision insurance covers damage to your Sebring resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, fire damage, falling objects and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.