Penny Pincher Insurance for your Plymouth Prowler
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. Unfortunately, it's not always as easy as it sounds to get the best rate. You might feel the same pain when having to pay the bill on your Plymouth Prowler.
Step One: Compare Multiple Rate Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. But now you can eliminate that hassle and buy online!
The first step to finding lower Plymouth Prowler rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Use the Same Coverages! It's really important that when doing multiple quotes for your Prowler that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: Tricks to Saving Money on Prowler Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Prowler that will also lower the rate you pay irregardless of which company you choose.
- Cheap insurance rates and high performance don't usually mix. If low rates are your goal, the Plymouth Prowler is probably not the best vehicle due to it's above average performance.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- Even if you don't take advantage of the sporty nature of the Prowler, other people will and you'll pay more for insurance based on the higher rating class of the vehicle.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Equipping your Plymouth with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Prowler is on the list of the most frequently stolen cars, you might be paying just a little extra.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
Step Three: Choose the Right Company for You
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. Be sure to have a new policy ready to go if you are buying a new Prowler. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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