Feel like you’re a prisoner to overpriced car insurance? Believe me, there are many people just like you. Since consumers have many different company options, it can be hard to choose the best company.
Consumers need to take a look at other company’s rates before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Grand Voyager coverage a few years ago a different company probably has better rates today. Starting right now, block out anything you think you know about car insurance because you’re going to learn the right way to reduce your cost while increasing coverage.
Choosing the best insurance company for you is quite easy. If you have car insurance now, you will be able to reduce your rates substantially using these methods. Drivers only need an understanding of the best way to compare prices online.
Chrysler Grand Voyager rates are made up of many parts
Consumers need to have an understanding of the factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get big savings.
Shown below are a few of the “ingredients” that factor into your rates.
- Big city or small town – Choosing to live in less populated areas is a positive aspect when buying car insurance. Drivers who live in large cities have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
- Don’t skimp on liability – Liability insurance is the protection when a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
- Being married can save on car insurance – Having a spouse helps lower the price on car insurance. Having a significant other usually means you are more responsible and statistics show drivers who are married are more cautious.
- How’s your driving record? – Drivers who don’t get tickets get better rates compared to drivers with tickets. Even one moving violation can bump up the cost twenty percent or more. Drivers with flagrant tickets such as DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to keep their license.
- How your age affects price – More mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Youthful drivers are statistically proven to get distracted easily when driving and because of this, their car insurance rates are much higher.
Car Insurance Prices
All major car insurance companies quote coverage prices on the web. Getting online rates is pretty painless as you simply enter your coverage preferences as requested by the quote form. After you complete the form, the system makes automated requests for credit information and your driving record and returns a price based on many factors. Being able to quote online helps simplify price comparisons, but having to visit different websites and complete many quote forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible in order to find the lowest possible prices on car insurance.
A less time-consuming method to compare rates makes use of a single form to obtain quotes from several companies at one time. It saves time, helps eliminate reptitive entry, and makes quoting online much simpler. After your information is entered, your coverage is rated and you can choose any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process can be completed in a matter of minutes and may result in a nice savings.
To compare rates using this form now, click here and begin entering your coverage information. If you currently have coverage, we recommend you enter your coverages identical to your current policy. This makes sure you will have a rate comparison using the same coverage and limits.
Is there truth in advertising?
Consumers can’t ignore all the ads that promise big savings by companies like Allstate, GEICO and Progressive. All the ads have a common claim of big savings after switching to them.
How do they all claim to save you money?
Different companies can use profiling for the type of driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits that profile receives the best rates and most likely will save quite a bit of money when switching.
Potential customers who don’t meet this ideal profile will be charged higher prices and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone that quotes” save that kind of money. This is how companies can make those claims. That is why it’s extremely important to compare many company’s rates. It is impossible to predict the company that will give you the biggest savings.
Do you qualify for discounts?
Auto insurance companies don’t always publicize all available discounts very clearly, so we researched both well-publicized and the more hidden car insurance savings. If you’re not getting every credit available, you’re just leaving money on the table.
- Defensive Driving Course – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
- No Claims – Good drivers with no accidents pay much less when compared with bad drivers.
- Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
- Lower Rates for Military – Being deployed with a military unit can result in better rates.
- Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Grand Voyager coverage than drivers with accidents.
As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, you’re out of luck.
To see a list of companies with the best car insurance discounts, follow this link.
In Summary
When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.
Affordable Chrysler Grand Voyager insurance is available online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
