Drivers have lots of choices when trying to find the best price on Chrysler Voyager insurance. You can either spend your time struggling with agents to compare prices or save time using the internet to compare rates.
There are more efficient ways to find auto insurance online and you need to know the best way to get price quotes on a Chrysler and locate the lowest possible price from both online companies and local agents.
Compare the Market for Auto Insurance
Finding lower auto insurance rates isn’t really that difficult. Consumers just need to invest a few minutes to compare quotes online with multiple companies. This is very easy and can be done in a couple of different ways.
- One of the simplest ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This method keeps you from doing separate quote forms for each company. Completing one form will return price quotes from many national carriers. It’s the fastest way to compare.
- A less efficient way to shop for auto insurance online requires visiting the website for every company you want to comare to request a price quote. For instance, let’s assume you want comparison quotes from Farmers, Progressive and Liberty Mutual. To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
- The most time-consuming method to get comparison rates is to spend your day driving to and from local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. However, consumers can get prices online and still use a local agent. We’ll cover that shortly.
It’s up to you how you get prices quotes, just compare the exact same coverages for each comparison quote. If each company quotes different liability limits it’s not possible to make an equal comparison.
More discounts equal less premium
Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be inquired about in order for you to get them. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Homeowners Pay Less – Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
- More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
- Driver Safety – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
- Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.
- Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.
- Drivers Ed for Students – Have your child successfully complete driver’s ed class in school.
- Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
It’s important to understand that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.
To see a list of providers with discount auto insurance rates, click here.
What about my local agents?
A small number of people would rather buy from a licensed agent. Insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing insurance prices online is you may find better rates and still have an agent to talk to. And providing support for local agencies is especially important if you live in a smaller city or town.
Upon completion of this quick form, the coverage information is immediately sent to local insurance agents who will return price quotes for your business. There is no need to drive around as quotes are delivered to your email. It doesn’t get any easier!
Choose the right car insurance agent
When researching a good insurance agency, there are two different agency structures from which to choose. Agents are either captive or independent (non-captive). Both types can properly insure your vehicles, but it’s worth mentioning how they are different since it may influence your agent selection.
Independent Agents (or Brokers)
These agents are not required to write business for one company so they have the ability to put coverage with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.
When shopping rates, you should always contact multiple independent agents to ensure the widest selection of prices.Many can place coverage with different regional companies who may have lower rates.
Captive Insurance Agents
Captive insurance agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm and AAA. Captives cannot shop your coverage around so they have to upsell other benefits. Captive agencies are well schooled in insurance sales which helps them compete with independent agents. Some consumers prefer to buy from captive agents partially due to high brand loyalty and the convenience of having all coverages with one company.
To view a complete directory of agencies, click here.
Choosing a car insurance agent requires more thought than just the price. Ask your prospective agent these questions:
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Does the agency support the community they serve?
- Are claim adjusters local or do you have to take your car somewhere else?
- What is the agency’s Better Business Bureau rating?
- If you are a high risk driver, do they have special markets for your coverage?
Once you have acceptable answers to your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is a good match to service your policy.
When might I need an agent?
When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.
For example, these questions might point out if your situation may require specific advice.
- Do I have coverage for damage caused while driving under the influence?
- Am I covered if I wreck a rental car?
- Who is covered when they drive my Chrysler Voyager?
- Am I covered when driving a rental car?
- Is my teen driver covered when they drive my company car?
- Is pleasure use cheaper than using my Chrysler Voyager to commute?
- Should I buy additional glass protection?
- Is my babysitter covered when using my vehicle?
- Do I pay less if my vehicle is kept in my garage?
If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.
Buy online or local, you save
When shopping online for auto insurance, make sure you don’t buy poor coverage just to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Lower-priced Chrysler Voyager insurance can be sourced online as well as from independent agents, so compare prices from both to get a complete price analysis. Some companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
Drivers change insurance companies for a number of reasons such as questionable increases in premium, not issuing a premium refund, poor customer service or delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.
