Three Steps to Cheaper Chrysler LHS Insurance
If comparing car insurance was easy, most of us would do it more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You might feel the same pain when having to pay the bill on your Chrysler LHS.
Step One: Compare Multiple Rates
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Now that we have the internet, shopping for car insurance online is a snap!
The first step to finding lower Chrysler LHS rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Apples-to-Apples! When doing comparison quotes for your LHS, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: How to Insure your LHS for Less
After completing step one above, you can now learn some of the other ways to slash your LHS insurance costs.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Vehicle thefts drive up the cost of everyone's insurance, but if your LHS is on the list of the most frequently stolen cars, you might be paying just a little extra.
Step Three: Choose the Right Company for You
Once you have compared identical rate quotes for your LHS and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Coverage will extend from your current policy if you're buying a Chrysler LHS, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new LHS.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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