Guide to Insuring your Chrysler Imperial for Less
If finding the lowest rate on car insurance was easy, most people would have no trouble paying less. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Buying insurance on your Chrysler Imperial might leave you feeling the same way.
Step One: Compare Online Rate Quotes
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Thanks to the internet, insurance shopping is a whole lot easier!
All the major car insurance companies sell insurance for a Chrysler Imperial and you don't even have to visit each individual website!
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Imperial.
Step Two: How to Insure your Imperial for Less
How much impact insuring your Chrysler has on your wallet is controlled by many different factors. Here are some ways to reduce the negatives and improve the positives.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Equipping your Chrysler with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Particular years and models of cars tend to be frequently stolen, and if your Imperial is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Make an Informed Buying Decision
Once you have compared identical rate quotes for your Imperial and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If you already have a car insurance policy, then your Chrysler Imperial will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Imperial at risk as soon as you drive away.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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