Shoppers have lots of choices when shopping for affordable Chrysler Sebring insurance. You can either waste hours calling around to compare prices or save time using the internet to make rate comparisons.
There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to compare rates for a new or used Chrysler and locate the cheapest rates.
It is always a good idea to take a look at other company’s rates on a regular basis since insurance rates change regularly. Just because you found the best price on Sebring insurance on your last policy you will most likely find a better rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.
Complexity of Chrysler Sebring insurance rates
An important part of buying insurance is that you know the factors that play a part in calculating auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to better auto insurance rates.
Shown below are a partial list of the pieces companies use to determine prices.
- Cautious drivers pay less – A bad driving record has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than people who have multiple driving citations. Even a single speeding ticket may increase your cost forty percent or more. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
- Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
- Do you have a high stress job? – Careers like judges, executives and dentists are shown to have the highest average rates due to high stress levels and lots of time spent at work. Other jobs such as actors, historians and the unemployed pay the least on Sebring insurance.
- Bundling policies can get discounts – Some insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible.
- Never allow your policy to lapse – Letting your insurance expire will be a guaranteed way to bump up your auto insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
- Credit scores impact auto insurance rates – Having a bad credit score is a big factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit ratings. Therefore, if your credit rating is low, you could potentially save money when insuring your Chrysler Sebring by repairing your credit.
- Your spouse saves you money – Being married can actually save you money on your auto insurance policy. Having a significant other translates into being more responsible and it’s statistically proven that drivers who are married are more cautious.
Comprehensive Auto Insurance Comparison
Finding cheaper auto insurance prices is surprisingly easy. All that’s required is to invest a little time to get quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.
One of the best ways to get quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for repetitive form submissions for each company you want a rate for. A single, simple form will get you price quotes direct from many companies. It’s definitely the quickest method.
Another way to compare prices is to manually visit each company website to request a price quote. For sake of this example, let’s say you want to compare GEICO, State Farm and Allstate. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The least recommended method of comparing rate quotes is to spend time driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. However, consumers can price shop your coverage online but still have the advice of a local agent and we’ll cover that in a bit.
It’s up to you which method you use, but make sure you use exactly the same coverage information with every price quote. If you use higher or lower deductibles it will be next to impossible to determine the best price for your Chrysler Sebring.
Do drivers who switch really save $431 a year?
Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all make the same claim of big savings after switching your coverage to them.
But how can every company claim to save you money? It’s all in the numbers.
All companies have a preferred profile for the type of driver they prefer to insure. A good example of a desirable insured could be over the age of 40, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when switching.
Drivers who don’t qualify for this ideal profile will be quoted a higher premium and this can result in business not being written. The ads state “people who switch” but not “drivers who get quotes” save money. That’s the way companies can make the claims of big savings.
This emphasizes why you need to get as many quotes as possible. You cannot predict which company will fit your personal profile best.
Cut your auto insurance rates with discounts
Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but a few must be inquired about in order for you to get them. If you don’t get every credit available, you are throwing money away.
- Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
- Bundle and Save – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
- Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Government Employees – Simply working for the federal government could cut as much as 10% off on Sebring insurance with certain companies.
It’s important to note that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.
Are insurance agents obsolete?
Certain consumers would rather sit down with an agent and that is OK! Insurance agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of getting online price quotes is that you can obtain better rates and still choose a local agent. And supporting small agencies is important especially in smaller rural communities.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is instantly submitted to participating agents who will compete to get your business. You won’t need to leave your computer because quoted prices will be sent straight to your inbox. Now that’s easy!
How to choose the best insurance agent
When searching for a local agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies are categorized either independent (non-captive) or captive. While both can do a good job, but it’s good to learn the difference between them because it can impact your selection of an agent.
Independent Insurance Agents
These agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s recommended you contact at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with smaller companies which can save you money.
Agency Captives
Captive agencies are contracted to one company such as AAA, Allstate and State Farm. They generally cannot compare other company’s rates so keep that in mind. Captive agents are well schooled on the products they sell which can be an advantage. Consumers frequently purchase coverage from captives partially due to the brand legacy and strong financial ratings.
To view a complete directory of insurance agencies, visit this page.
Deciding on an insurance agent needs to be determined by more than just a low price. Any agent should have no problem answering these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Do they assist clients in filing claims?
- How are they compensated?
- Is their price quote a firm figure or are their hidden costs?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they feel the quoted coverages are adequate?
- Is vehicle damage repaired with OEM or aftermarket parts?
After receiving reasonable responses and an acceptable price quote, it’s possible that you found an insurance agent that will properly service your auto insurance policy.
Will just any policy work for me?
When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.
These are some specific questions might point out if your situation could use an agent’s help.
- Is my cargo covered for damage or theft?
- Are split liability limits better than a combined single limit?
- Is my business laptop covered if it gets stolen from my vehicle?
- When do I need to add a new car to my policy?
- Am I covered when driving someone else’s vehicle?
- How much liability coverage do I need in my state?
- Do I need PIP (personal injury protection) coverage in my state?
- Is business equipment covered while in my vehicle?
- Is my babysitter covered when using my vehicle?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Best coverage at the best price
We just presented a lot of tips how to compare Chrysler Sebring insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best prices are with the least-expected company.
When shopping online for auto insurance, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone sacrificed physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.
Discount Chrysler Sebring insurance can be sourced from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers don’t offer online price quotes and these small insurance companies work with independent agents.
