Chrysler Sebring Insurance for Tightwads
If we enjoyed shopping for car insurance, we'd do it more often. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Finding affordable insurance for your Chrysler Sebring is probably the same story.
Step One: Get Insurance Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Not anymore!
Comparing apples-to-apples price quotes for your Chrysler Sebring is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Sebring.
Step Two: Tried and True Ways to Save on Sebring Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Sebring insurance rates.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- If your Sebring ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
Step Three: Finalize your Car Insurance Policy
Knowing which company to insure your Sebring with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Chrysler added prior to the expiration of this grace period. Comprehensive (or Other than Collision) and collision coverage will extend to your new Sebring if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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