I can’t think of a single person who looks forward to paying for auto insurance, particularly when the cost is way too high. Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers to find the absolute lowest rate
You should make it a habit to check auto insurance prices every six months because rates are variable and change quite frequently. Just because you had the best rates on Cirrus coverage last year there may be better deals available now. Starting now, forget all the misinformation about auto insurance because I’m going to teach you one of the best ways to save on auto insurance.
If you are insured now or need a new policy, you can use these tips to cut your premiums and still get good coverage. Finding affordable coverage is not that difficult. Vehicle owners just need to know how to compare prices on the web.
Why your Chrysler Cirrus might be costing you more
An important part of buying insurance is that you know the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.
The following are some of the items auto insurance companies consider when setting prices.
- Discounts for married couples – Getting married actually saves money on your auto insurance policy. Having a spouse means you’re more responsible and statistics show drivers who are married are more cautious.
- Do you have enough liability coverage? – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
- Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and thus lower rates. If your Chrysler Cirrus scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
- One company can mean more discounts – Most auto insurance companies will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
- Are you male or female? – The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. They both cause accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high auto insurance rates.
- Your auto insurance rates can be influenced by your job – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other professions such as pilots, historians and homemakers have the lowest average rates on Cirrus coverage.
- Increase deductibles and save – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more you’re willing to pay, the bigger discount you will receive on Cirrus coverage.
Don’t pay full price with these discounts
Companies offering auto insurance do not list all their discounts very well, so we researched both the well known and the more hidden savings tricks you should be using. If you don’t get every credit available, you’re just leaving money on the table.
- Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on auto insurance on Cirrus coverage.
- Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
- Claim Free – Claim-free drivers can save substantially compared to bad drivers.
- Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
- Safety Course Discount – Taking part in a defensive driving course can save you 5% or more if you qualify.
- Distant Student – Children who live away from home and do not have a car may be able to be covered for less.
- Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
Consumers should know that many deductions do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way.
For a list of companies offering auto insurance discounts, follow this link.
Neighborhood insurance agents
A small number of people would prefer to sit down with an agent. Professional agents can help determine the best coverages and help file insurance claims. The biggest benefit of price shopping on the web is you may find lower rates and still choose a local agent.
Once you complete this simple form, your insurance data is instantly submitted to agents in your area who will give you bids for your coverage. You don’t have to leave your computer since price quotes are sent directly to your email. Now that’s easy!
Choosing an insurance company shouldn’t rely on just the premium amount. Agents should be asked these questions:
- Do they receive special compensation for putting your coverage with one company over another?
- Which members of your family are coverage by the policy?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How long has their agency been in business?
- Do the coverages you’re quoting properly cover your vehicle?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- If you have an accident, will your rates go up?
- How much can you save by raising your physical damage deductibles?
If you want to select a specific agent in your state, visit this site.
Once you have acceptable answers to your questions and an affordable coverage quote, most likely you have located an insurer that will properly insure your vehicles.
Ads can be misleading
Consumers constantly see and hear ads that promise big savings from companies such as Allstate and Progressive. All the companies make an identical promise of big savings if you move your policy.
How does each company claim to save you money?
Different companies have a certain “appetite” for the driver that is profitable for them. An example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.
Potential insureds who are not a match for the requirements will be quoted higher premiums and ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That’s why insurance companies can advertise the way they do. This emphasizes why you need to get as many quotes as possible. It is impossible to predict which insurance companies will have the lowest rates.
Best coverage at the best price
In this article, we covered many ideas to compare Chrysler Cirrus insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability coverage limits and learned later that it was a big mistake. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
