Finding better insurance prices for a new or used Eagle Chrysler Premier could be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to find car insurance online and we’ll show you the proper way to get price quotes for a new or used Eagle Chrysler and locate the best price possible either online or from local insurance agents.
Consumers should take time to shop coverage around once or twice a year since rates change frequently. Despite the fact that you may have had the best deal for Premier insurance six months ago you can probably find a better price now. Ignore everything you know about car insurance because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.
If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates while maintaining coverages. Buying the cheapest coverage is not that difficult. Drivers only need an understanding of the proper methods to shop for car insurance over the internet.
You probably qualify for some discounts
Companies that sell car insurance don’t always advertise every available discount very clearly, so we took the time to find some of the more common as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Paperwork-free – A few companies give back up to $50 for buying a policy and signing up on their website.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Premier insurance than drivers with accident claims.
- College Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
- One Accident Forgiven – Certain companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
- Multiple Policy Discount – If you have multiple policies with the same company you may earn approximately 10% to 15%.
- Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
- Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Premier insurance with certain companies.
It’s important to note that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.
Car insurance coverages 101
Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Comprehensive car insurance
This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like damage from getting keyed, falling objects, theft, rock chips in glass and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Eagle Chrysler Premier.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Collision coverage protection
Collision coverage pays for damage to your Premier resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as hitting a mailbox, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like EMT expenses, hospital visits, nursing services and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Liability insurance
This can cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims such as attorney fees, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.
Smart shoppers get results
Throughout this article, we presented a lot of ways to reduce Eagle Chrysler Premier insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with a smaller regional carrier.
Drivers change insurance companies for many reasons like high rates after DUI convictions, unfair underwriting practices, extreme rates for teen drivers or even not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be easier than you think.
Low-cost Eagle Chrysler Premier insurance can be bought both online as well as from independent agents, so compare prices from both to have the best selection. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
