1991 Chrysler Imperial Car Insurance Quotes – 10 Savings Tips

Tired of scraping nickels together to buy auto insurance? You have the same problem as many other drivers. Insurance companies such as State Farm, Allstate, Geico and Progressive continually bombard you with fancy advertisements and it can be hard to ignore the flashy ads and find the best price available.

The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact most of the bigger providers participate in a system to quote your coverage. To begin a comparison, all you need to do is spend a couple of minutes providing details like if a SR-22 is required, whether you drive to work or school, if you have a valid license, and coverage limits. That rating data is submitted instantly to multiple different insurance companies and they return rate quotes immediately.

You may qualify for discounts

Insurance can be prohibitively expensive, but there could be significant discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you get a quote, but some must be specially asked for before being credited.

• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• Discount for Multiple Policies – When you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
• Government Employee Discount – Active or former government employment could provide a small rate reduction for Imperial coverage but check with your company.
• Good Grades Discount – This discount may save you up to 25%. The good student discount can last well after school through age 25.
• Driver’s Ed – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
• Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. You can save around 10% with this discount.
• Home Ownership Discount – Just being a homeowner can earn you a little savings since owning and maintaining a home shows financial diligence.
• Clubs and Organizations – Participating in specific professional or occupational memberships or organizations could qualify you for a break on your policy.
• Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
• Discount for Low Mileage – Fewer annual miles on your Chrysler could qualify for lower prices on the low mileage vehicles.

Discounts lower rates, but some credits don’t apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, insurance companies aren’t that generous.

Popular insurance companies and the discounts they provide are included below.

• American Family offers premium reductions for early bird, defensive driver, multi-vehicle, bundled insurance, air bags, and TimeAway discount.
• Farm Bureau may offer discounts for multi-vehicle, 55 and retired, youthful driver, renewal discount, multi-policy, safe driver, and good student.
• State Farm has savings for safe vehicle, accident-free, good driver, defensive driving training, multiple policy, good student, and driver’s education.
• Travelers offers discounts for save driver, multi-car, student away at school, payment discounts, and home ownership.
• The Hartford includes discounts for defensive driver, driver training, bundle, air bag, and vehicle fuel type.
• Geico policyholders can earn discounts including good student, membership and employees, defensive driver, daytime running lights, five-year accident-free, and anti-lock brakes.
• Progressive has discounts for online signing, homeowner, multi-policy, good student, multi-vehicle, and continuous coverage.

If you need affordable insurance quotes, ask each company which discounts they offer. A few discounts might not be offered on policies in your state. To find insurance companies with discount rates, click here to view.

There’s no such thing as the perfect car insurance policy

When buying proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation may require specific advice.

• What is high-risk coverage and where do I buy it?
• What should my uninsured motorist coverage limits be in my state?
• Does coverage extend to Mexico or Canada?
• How many claims can I have before being cancelled?
• If my pet gets injured in an accident are they covered?
• Am I covered when pulling a rental trailer?
• Are there companies who specialize in insuring high-risk drivers?
• How high should my medical payments coverage be?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Chrysler Imperial.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability

This will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like loss of income, pain and suffering, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your Imperial resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, crashing into a building, crashing into a ditch, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Take this to the bank

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage only to find out they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at the best cost.

In this article, we covered a lot of tips how to compare 1991 Chrysler Imperial insurance car insurance rates online. The most important thing to understand is the more you quote insurance, the better chance you’ll have of finding cheap insurance. You may even find the best price on insurance is with the smaller companies. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

More information is available at these links:

• Senior Drivers (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)