How Much Does 1997 Chrysler Town and Country Insurance Cost?

If you are a novice to online auto insurance shopping, you can easily be baffled by the sheer number of insurers all claiming to have the lowest rates.

Consumers should take time to compare prices occasionally because prices are constantly changing. Just because you had the best deal on Town and Country insurance two years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to find better coverage at a better price.

The purpose of this article is to let you in on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. But drivers do need to understand how insurance companies price insurance differently and apply this information to your search.

How do insurers determine Chrysler Town and Country insurance premiums?

Consumers need to have an understanding of some of the factors that are used to determine the price you pay for insurance. If you have some idea of what controls the rates you pay, this enables informed choices that can help you get big savings.

The itemized list below are some of the major factors used by insurance companies to determine your premiums.

• Avoid unnecessary extra coverages – Policies have optional add-on coverages that can waste your money on your Town and Country policy. Add-on coverages like personal injury protection, accident forgiveness, and membership fees are examples of these. They may sound like good ideas initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Is your vehicle theft-ready? – Choosing to buy a car with advanced anti-theft systems can get you a discount on your insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.
• Premiums are high for teenagers – Teen drivers are statistically proven to be inattentive and easily distracted when behind the wheel therefore insurance rates are much higher. Older drivers are more responsible, statistically cause fewer accidents and are safer drivers.
• Save money by having good credit – Having a good credit score is a large factor in determining what you pay. Insureds that have high credit ratings tend to be more responsible than drivers who have worse credit. If your credit can be improved, you could be paying less to insure your 1997 Chrysler Town and Country by repairing your credit.
• Gender and insurance coverage – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. They both tend to get into fender benders in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like reckless driving and DUI.

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Free insurance coverage quotes

There are several ways to compare insurance coverage prices but one way is less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the best insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each participating company returns a rated price. This prevents consumers from doing quote requests for each company.

To compare pricing click here to open in new window.

The only downside to using this type of form is you don’t know exactly the companies you will receive quotes from. If you prefer to choose specific providers for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

How you compare quotes is your choice, just ensure you are comparing the exact same coverages for each quote you get. If you are comparing different liability limits you will not be able to determine which company has the best rates. Just slight variations in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, comparing a wide range of rates gives you a better chance of getting the best offered rates.

Discounts for cheaper auto insurance rates

Some companies don’t always list the entire discount list in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden credits available to bring down your rates.

• Passive Restraints – Options like air bags or automatic seat belts could see savings of 20 to 30 percent.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.
• Student in College – Youth drivers who attend college more than 100 miles from home and do not have a car could get you a discount.
• Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
• No Charge for an Accident – Not necessarily a discount, but some companies like Progressive, Allstate, and Geico will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.

Some of the insurance companies who might offer some of the discounts shown above include:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Check with every insurance company how you can save money. Some discounts might not apply in your area.

You may need specialized insurance coverage coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions might point out if you might need professional guidance.

• Where can I get insurance after a DUI in my state?
• Is my babysitter covered when using my vehicle?
• Does having multiple vehicles earn me a discount?
• Does my medical payments coverage pay my health insurance deductible?
• Does coverage extend to a rental car in a foreign country?
• If my pet gets injured in an accident are they covered?
• Am I covered when driving a rental car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

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What insurance coverages do you need?

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler Town and Country.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like hospital visits, dental work, ambulance fees, doctor visits and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, hitting a deer, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

This coverage protects you from damage or injury you incur to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for 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 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your Town and Country resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, hitting a parking meter, scraping a guard rail, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

And the best car insurance company is…

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, poor customer service and delays in paying claims. No matter why you want to switch, choosing a new company can be less work than you think.

We covered many ideas to compare 1997 Chrysler Town and Country insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of getting low cost insurance. You may be surprised to find that the lowest prices are with a lesser-known regional company.

As you quote insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

More tips and info about insurance can be read in the articles below:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Understanding Car Crashes Video (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)

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