1997 Chrysler LHS Insurance Quotes – 9 Discounts for Best Rates

Trying to find the cheapest car insurance rates for your Chrysler LHS? Are you drained from scraping the payment together to pay high car insurance rates every month? You are no different than most other consumers. Consumers have multiple insurers to buy insurance from, and although it’s nice to have a choice, too many choices makes it more difficult to find the lowest cost provider.

You should take the time to do price comparisons at least once a year because rates tend to go up over time. Just because you found the best premium rates for LHS coverage a couple years back you can probably find a better price now. You can find a lot of information about car insurance on the internet, but you can learn some great ideas on how to put money back in your pocket.

Finding the best rates is not rocket science. If you have a policy now or need a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Drivers just need to understand how to get comparison quotes online.

Find hidden discounts on insurance coverage

Some insurance providers don’t list every discount in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online. If you don’t get every credit you deserve, you could be getting lower rates.

• Homeowners Discount – Simply owning a home can get you a discount because maintaining a house is proof that your finances are in order.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Accident-Free Discounts – Drivers who don’t have accidents can save substantially when compared with drivers with a long claim history.
• Waiver for an Accident – but a handful of insurance companies will forgive one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
• Discounts for Multiple Vehicles – Buying a policy with multiple cars on one policy can reduce the rates for all insured vehicles.
• ABS Brakes – Vehicles that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Discount for New Cars – Buying a new car model can cost up to 25% less since new vehicles are generally safer.
• College Student – Any of your kids who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
• Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

Keep in mind that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works.

A list of insurance coverage companies and the discounts they provide can be read below.

• Farmers Insurance includes discounts for electronic funds transfer, pay in full, early shopping, youthful driver, alternative fuel, and distant student.
• Esurance offers discounts for good student, safety device, good driver, anti-theft, multi-car, claim free, and Pac-12 alumni.
• State Farm has discounts for anti-theft, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, and student away at school.
• Geico discounts include air bags, seat belt use, daytime running lights, five-year accident-free, membership and employees, good student, and military active duty.
• Allstate may offer discounts for 55 and retired, economy car, farm vehicle, auto/life discount, teenSMART discount, and EZ pay plan discount.

When getting a coverage quote, ask each company what discounts are available to you. A few discounts may not apply to policies in every state. If you would like to choose from a list of insurance companies with the best discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine whether you might need professional guidance.

• Does my insurance cover my expensive audio equipment?
• Is my custom paint covered by insurance?
• Should I buy full coverage?
• What is PIP insurance?
• Can I still get insurance after a DUI?
• What can I do if my company won’t pay a claim?
• Do I have coverage if my license is suspended?
• Will my insurance pay for OEM parts?
• When can my company non-renew my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance 101

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, EMT expenses, nursing services and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability car insurance – Liability coverage provides protection from damage that occurs to a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as emergency aid, loss of income, structural damage, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, hitting a bird, hitting a deer, a broken windshield and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chrysler LHS.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – This coverage covers damage to your LHS resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Final thoughts

Cheaper car insurance can be sourced from both online companies and from local insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance providers may not provide online rate quotes and many times these small insurance companies only sell through local independent agents.

As you prepare to switch companies, you should never reduce coverage to reduce premium. Too many times, an insured dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

For more information, take a look at the following helpful articles:

• Distracted Driving (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)