How Much Does 1996 Chrysler Concorde Car Insurance Cost?

Want better car insurance rates for your Chrysler Concorde? Being forced to pay for high-priced car insurance premiums can diminish your budget, especially in this economy. Doing a rate comparison can be a smart way to cut your insurance bill.

Multiple insurance companies compete for your business, and it can be difficult to compare rates to discover the definitive lowest price

If you are insured now or are looking for a new policy, you can learn to reduce the price you pay while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need to know the proper methods to compare price quotes on the web.

How to lower your insurance premiums

Multiple criteria are used when pricing auto insurance. Some are pretty understandable such as your driving record, but other factors are not as apparent such as your marital status or your commute time.One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that go into determining the rates you pay for insurance coverage. When you understand what determines base rates, this enables you to make decisions that may reward you with much lower annual insurance costs.

• Buy as much liability protection as you can afford – The liability coverage on your policy is the coverage that protects you in the event that a court rules you are at fault for an accident. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Lower insurance coverage rates for being claim-free – Companies provide discounts to drivers who are not frequent claim filers. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of the large, substantial claims.
• Stress out and pay more – Do you work in a high-stress field? Jobs like real estate brokers, architects and accountants usually pay higher premium rates attributed to intense work situations and lots of time spent at work. On the other hand, jobs such as farmers, historians and the unemployed have the lowest average rates for Concorde coverage.
• Multiple policies with one company can save – Most insurance companies give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to compare rates to guarantee you are still saving the most. Drivers may still save more without the discount by splitting coverages up.
• Cars with good safety ratings cost less to insure – Safe vehicles are cheaper to insure. Safe vehicles reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums.
• Credit rating impact insurance coverage premiums – Credit score is likely to be a major factor in determining what you pay. Insureds with high credit ratings tend to be better drivers and file fewer claims than those with poor credit scores. Therefore, if your credit history is low, you could save money insuring your 1996 Chrysler Concorde by improving your rating.

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Quote insurance online

Many insurance companies such as Allstate and Progressive make it easy to get prices on their websites. Getting prices online is fairly simple as you just enter the amount of coverage you want on the page. When complete, their quoting system will order your driving record and credit report and provides a quote. Being able to quote online makes it simple to compare prices but having to visit different websites and complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this if you want to get the lowest price.

The better way to compare rates

A better way to find cheaper rates makes use of a single form to return rates from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. As soon as you send your information, your coverage is rated and you can select any one of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process takes less than 15 minutes and you will know how your current rates stack up.

If you want to find out what other companies charge, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with your coverages exactly as shown on your declarations page. Doing this guarantees you will have a fair comparison for exact coverage.

You may qualify for discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but a few must be specially asked for before you get the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• Discount for Low Mileage – Driving less could be rewarded with slightly better premium rates than normal.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
• First Accident Forgiveness – Not a discount per se, but a handful of insurance companies allow you one accident before they charge you more for coverage as long as you don’t have any claims prior to being involved in the accident.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
• Theft Deterent System – Cars equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
• Good Students Pay Less – Being a good student can save 20 to 25%. The good student discount can last until age 25.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
• Multi-line Discount – Some insurance companies give lower premium rates if you buy a life insurance policy as well.
• Defensive Driver Discount – Completing a safe driver course can save you 5% or more depending on where you live.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, car insurance companies aren’t that generous.

Companies and a partial list of their discounts are shown below.

• Farm Bureau policyholders can earn discounts including multi-policy, driver training, good student, safe driver, 55 and retired, and youthful driver.
• MetLife may offer discounts for claim-free, good student, multi-policy, accident-free, defensive driver, and good driver.
• Progressive discounts include good student, multi-policy, multi-vehicle, homeowner, online quote discount, continuous coverage, and online signing.
• AAA offers discounts for pay-in-full, multi-car, education and occupation, good driver, and anti-theft.
• American Family has savings for mySafetyValet, accident-free, multi-vehicle, Steer into Savings, and TimeAway discount.
• Geico has discounts for seat belt use, driver training, multi-policy, federal employee, defensive driver, emergency military deployment, and anti-theft.
• State Farm may have discounts that include student away at school, accident-free, multiple autos, passive restraint, good student, and Drive Safe & Save.

Before purchasing a policy, check with every company to apply every possible discount. All car insurance discounts may not be available in your area.

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

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

• Do I need PIP coverage since I have good health insurance?
• Does my 1996 Chrysler Concorde qualify for pleasure use?
• What vehicles should carry emergency assistance coverage?
• Am I covered by my spouse’s policy after a separation?
• Are my friends covered when driving my car?
• Are my friends covered when driving my 1996 Chrysler Concorde?
• Does liability extend to a camper or trailer?
• I have health insurance so do I need medical payments coverage?
• Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

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Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.

Collision insurance

This coverage will pay to fix damage to your Concorde resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like bail bonds, medical services, legal defense fees, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as EMT expenses, pain medications, doctor visits and ambulance fees. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding, rock chips in glass, hitting a deer and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Chrysler Concorde.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

More quotes mean more savings

We’ve covered a lot of information how to shop for 1996 Chrysler Concorde insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best car insurance rates are with a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone dropped physical damage coverage only to regret that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Other information

• Auto Insurance Basics (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Vehicle Insurance (Wikipedia)
• Airbag FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)

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