Cheap 2003 Chrysler Voyager Insurance Quotes

Tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other drivers. Many insurers compete for your hard-earned dollar, so it’s not easy to compare every insurance company and get the definite lowest rate possible.

These discounts can slash insurance rates

Companies do not list every discount in an easy-to-find place, so we break down both well-publicized and the more hidden insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Drive Less and Save – Fewer annual miles on your Chrysler can qualify you for a substantially lower rate.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperwork-free – A few companies give back up to $50 for buying a policy and signing up on their website.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of companies with the best insurance discounts, click here to view.

When might I need the advice of an agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For example, these questions may help you determine if your insurance needs may require specific advice.

  • Can I drive in Mexico and have coverage?
  • What is roadside assistance coverage?
  • How many claims can I have before being cancelled?
  • Is my camper covered by my car insurance policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should I remove comp and collision on my 2003 Chrysler Voyager?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Voyager.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as surgery, funeral costs, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, fire damage, hitting a bird and theft. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Voyager from colliding 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 can pay for claims like scraping a guard rail, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability car insurance – Liability insurance provides protection from damage that occurs to other’s property or people. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like pain and suffering, attorney fees, structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

A little work can save a LOT of money

You just learned a lot of techniques to compare 2003 Chrysler Voyager insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

Discount insurance can be bought from both online companies in addition to many insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

More detailed insurance information can be found at these sites: