Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.
Online insurance companies like Allstate and Progressive all promote huge savings with ad campaigns and it can be hard to see past the corporate glitz and take the time to shop coverage around.
It’s a great practice to check auto insurance prices at least once a year due to the fact that insurance rates tend to go up over time. Just because you found the best deal for Imperial insurance last year other companies may now be cheaper. You can find a lot of wrong information about auto insurance on the internet, so I’m going to show you some great ideas on how to reduce your auto insurance bill.
Fast and Easy Auto Insurance Quotes
There are multiple methods to compare auto insurance prices and some are less time-consuming than others. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize the web to accomplish the same thing much quicker.
Many companies belong to an insurance system that enables customers to enter their coverage request one time, and every company can give them a price based on that data. This saves time by eliminating form submissions for each company you want a rate for. To submit your quote information now, click here to open in new window.
The only downside to using this type of form is you can’t choose which insurance companies you want to price. So if you want to select specific insurance companies to compare rates, we have a page of companies who write auto insurance in your area. Click to view list.
It’s your choice how you get your quotes, but make sure you use identical coverages and limits on every quote you get. If you are comparing different deductibles it’s not possible to make a fair comparison for your Chrysler Imperial. Just a small difference in limits can result in a big premium difference. Just remember that getting more free quotes will improve the odds of getting better pricing.
Don’t miss out on these money-saving discounts
Car insurance companies do not list every available discount very well, so we break down some of the more common and the more hidden savings tricks you should be using.
- Federal Government Employee – Simply working for the federal government can save as much as 8% for Imperial insurance depending on your company.
- Defensive Driver – Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
- No Claims – Drivers who don’t have accidents can save substantially when compared with drivers who are more careless.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
- Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
- Resident Student – Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
- Multiple Policy Discount – If you have multiple policies with one company you will save 10% to 20% off each policy.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
Drivers should understand that many deductions do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.
For a list of companies who offer auto insurance discounts, click here to view.
Chrysler Imperial rates are in the details
An important part of buying insurance is that you know some of the elements that go into determining your auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get big savings.
Listed below are some of the factors companies use to determine your rates.
- Pleasure use saves money – The more miles you rack up on your Chrysler in a year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy shows how each vehicle is driven. Incorrect usage on your Imperial can result in significantly higher rates.
- Teen drivers pay high rates – Older drivers tend to be more responsible, tend to file fewer claims and are safer drivers. Teenage drivers are statistically proven to be more careless behind the wheel and because of this, their auto insurance rates are much higher.
- You might want pay the small claims yourself – If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance companies give discounts to policyholders who are claim-free. Your insurance policy is intended for larger claims.
- Rates may be lower depending on your job – Occupations like doctors, executives and dentists are shown to have the highest average rates in part from high stress and long work days. Other jobs such as pilots, historians and retirees pay the least for Imperial insurance.
- How credit affects auto insurance rates – Having a bad credit score is a huge factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit score is low, you could potentially save money when insuring your Chrysler Imperial by spending a little time repairing your credit.
Drivers who switch save $434 a year? Really?
Companies like Allstate and Progressive regularly use ads in print and on television. All the ads make an identical promise that you’ll save big if you move your coverage to them. How do they all make the same claim?
All the different companies can use profiling for the type of driver that makes them money. An example of a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. A driver who fits that profile receives the best rates and most likely will save when they switch companies.
Drivers who are not a match for the “perfect” profile will be charged higher rates which usually ends up with business going elsewhere. The ads say “people who switch” not “everyone that quotes” save money. That’s the way companies can truthfully make the claims of big savings. That is why you need to quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.
Smart shoppers get results
Lower-priced Chrysler Imperial insurance can be found online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers don’t offer online quoting and most of the time these smaller companies sell through independent agents.
We just showed you some good ideas how you can reduce Chrysler Imperial insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. Drivers may discover the lowest rates come from a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.
As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
