Nobody likes paying for auto insurance, particularly when they are paying too much. Online insurance companies like State Farm and GEICO all claim big savings, bombarding you with catchy ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.
You need to get comparison quotes at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the best price for Town & Country coverage a few years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online but we’re going to give you some good information on how to find cheap auto insurance.
If you have insurance now or are shopping for new coverage, you will benefit by learning to find the best rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Consumers only need to know the tricks to shop on the web.
Vehicle Insurance Comparison
Lowering your auto insurance rates isn’t really that difficult. All that’s required is to spend a few minutes on the computer to get quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.
- The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing repetitive form entry for each company. Taking the time to complete one form will return price quotes from several companies.
- A different way to get quotes online requires a visit to the website of each company and fill out their own quote form. For examples sake, we’ll assume you want comparison quotes from State Farm, Farmers and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
- The most time-consuming method of comparing rate quotes is to waste gas driving to different agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional advice only provided by licensed agents. You can, however, price shop your coverage online and still use a local agent.
It’s up to you how you get prices quotes, just ensure you are comparing identical information with every price quote. If each company quotes different liability limits it’s not possible to find the best deal for your Chrysler Town & Country.
Do you qualify for a discount?
Insuring your vehicles can cost a lot, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for prior to getting the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Student in College – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
- Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for Town & Country coverage than their less cautious counterparts.
- Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
- Lower Rates for Military – Being on active duty in the military can result in better rates.
- Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
- Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
- Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.
- Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. But all discounts will bring down your overall premium however.
To choose insurance companies with discount auto insurance rates, click this link.
But I want to work with a local agent
A small number of people prefer to get advice from a local agent and that is just fine! Licensed agents can point out coverage gaps and help submit paperwork. The best thing about comparing rates online is that you can obtain better rates and still choose a local agent. And supporting local businesses is especially important in small towns and cities.
After completing this short form, your insurance coverage information is immediately sent to local insurance agents who will battle for your business. There is no need to drive around because quoted prices will be sent to the email address you provide. Now that’s easy!
Compare rates from both independent and captive insurance agents
When searching for local agents, you must know there are a couple types of insurance agents that you can select. Agencies can either be independent or captive. Either one can write coverage properly, but it’s good to learn how they differ because it can impact the type of agent you choose
Independent Agents (or Brokers)
Independent agents are not required to write business for one company so they have the ability to put coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent.
When searching for an agent, it’s recommended you include at least one independent agent to ensure the widest selection of prices.
Agency Captives
These agents are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on the products they sell which can be an advantage.
To view a complete directory of insurance agents, visit this site.
Selecting a car insurance agent should depend on more than just a low price. Agents should be asked these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- Who are their largest clients?
- Can they give you a list of client referrals?
- Is working in the agency their full-time job?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do the coverages you’re quoting properly cover your vehicle?
Upon receiving satisfactory answers to any questions you have in addition to an acceptable price estimate, you’ve probably found a car insurance agent that is a good match to insure your vehicles.
Chrysler Town & Country rate determination is complex
It’s important that you understand some of the elements that help determine auto insurance rates. Knowing what influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.
The following are a partial list of the pieces that factor into prices.
- An active claims history can cost you – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Insurance companies give cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of larger claims.
- Are you male or female? – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes have accidents at a similar rate, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
- Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Chrysler Town & Country is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations like lawyers, architects and accountants tend to pay higher rates than average attributed to high stress levels and long work days. On the flip side, professions such as actors, athletes and performers have the lowest average rates for Town & Country coverage.
In conclusion
When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Affordable Chrysler Town & Country insurance is definitely available both online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and most of the time these smaller companies sell through independent agents.
