2007 Chrysler Sebring Insurance Quotes – 7 Tips for Cheaper Rates

Searching for lower auto insurance rates for your Chrysler Sebring? Have you fallen victim to high-priced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.

If you have a current insurance coverage policy or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. Finding the best rates is not that difficult. Drivers just need to learn the tricks to compare prices online.

Where Can I Get Cheap Insurance?

Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you could save time and use the web to get the quickest rates.

Many insurance companies belong to an insurance system that enables customers to submit their information once, and every company provides a quote determined by their information. This prevents consumers from doing quotation requests for every insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to doing it this way is that you can’t choose the providers you want pricing from. So if you prefer to pick individual companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverages and limits on every quote you get. If you are comparing unequal deductibles or liability limits it will be impossible to find the best deal for your Chrysler Sebring.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation might need professional guidance.

• What is the ISO rating for a 2007 Chrysler Sebring?
• How much underlying liability do I need for an umbrella policy?
• Should I buy only the required minimum liability coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is pleasure use cheaper than using my 2007 Chrysler Sebring to commute?
• Am I covered when driving in Canada or Mexico?
• Which companies will insure high-risk drivers?
• What can I do if my company won’t pay a claim?
• How do I file an SR-22 for a DUI in my state?
• Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, prosthetic devices, nursing services, rehabilitation expenses and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage protects you from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair bills for other people’s vehicles, structural damage and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chrysler Sebring.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.