Compare 2006 Chrysler Sebring Insurance Rates

Have you had enough of wondering where the money will come from to pay your auto insurance bill each month? You are in the same boat as millions of other people.

You have so many insurance companies to pick from, and even though it’s nice to have a selection, having more insurance companies makes it harder to compare rates.

How to buy auto insurance

Shopping for lower auto insurance rates can take time and effort if you don’t understand the most efficient way. You can spend your afternoon driving to agents in your area, or you could use online quotes to achieve your goal.

Most of the best insurance companies take part in a program where prospective buyers send in one quote, and each company then gives them pricing based on that data. This saves time by eliminating quotation requests for each company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to using this type of form is buyers cannot specifically choose the companies you will receive quotes from. So if you prefer to pick individual companies to compare prices, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be certain you are entering the exact same quote information on every price quote you get. If you have different values for each quote it will be very difficult to determine the best price for your Chrysler Sebring. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when comparison shopping, more quotes helps increase your odds of locating lower pricing. Some companies don’t provide price estimates online, so it’s necessary to compare quotes from them as well.

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Can you really save if you switch?

Big name companies like Progressive, Allstate and Geico endlessly run ads in print and on television. All the companies advertise claims about savings if you switch your coverage to them. How do they all have lower policy pricing? Just pay attention to how they say it.

Insurance providers have a certain “appetite” for the type of customer that earns them the most money. For instance, a profitable risk profile could be over the age of 40, has never had a claim, and chooses high deductibles. Anybody who fits those characteristics is entitled to the best price and is almost guaranteed to save a lot if they switch.

Drivers who do not meet the “perfect” profile must pay a higher premium and ends up with the prospect going elsewhere. The trick is to say “customers that switch” but not “everyone who gets a quote” save that much. That’s the way insurance companies can confidently make those claims.

Because of the profiling, you should compare free auto insurance quotes often. It is impossible to predict which auto insurance company will have the lowest rate quotes.

Smart buyers know how to buy insurance coverage more affordably

One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that are used to determine the rates you pay for insurance coverage. When consumers understand what impacts premium levels, this allows you to make good choices that could result in much lower annual insurance costs.

Shown below are some of the things used by your company to calculate your rate level.

• Prices also based on gender – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean women are better drivers. Males and females cause at-fault accidents at about the same rate, but males cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations such as reckless driving. Male teenagers cause the most accidents and therefore are the most expensive to insure.
• Accidents hurt – Your driving record influences premium rates substantially. Even one driving citation can bump up the cost to the point where it’s not affordable. Drivers who don’t get tickets receive lower rates as compared to those with violations. People who have dangerous citations like DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
• Bump up physical damage deductibles to lower rates – Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your Chrysler. A few examples of covered claims could be collision with another vehicle, vandalism, and rolling your vehicle. Physical damage deductibles tell how much you are required to pay if a claim is determined to be covered. The larger the amount you have to pay, the lower your rates will be for Sebring insurance.
• Use but don’t abuse your insurance – Insurance companies generally give cheaper rates to insureds who only file infrequent claims. If you file claims often, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for claims that you cannot pay yourself.
• Cheaper rates with safer cars – Cars with five star safety ratings are cheaper to insure. Highly rated vehicles reduce the chance of injuries and fewer injuries means your insurance company pays less and lower rates for you.
• Keep the miles off and save – The more miles you rack up on your Chrysler in a year’s time the higher your rate. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage policy correctly shows the correct driver usage. Incorrect rating for your Sebring may be wasting your money.
• Urban residents pay more – Residing in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. Fewer drivers means less chance of accidents in addition to lower liability claims People in densly populated areas have to deal with traffic congestion and higher rates of accident claims. Longer commute distances means more chance of being in an accident.
• Bundle policies with the same company – Many insurance companies will award better rates for people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to comparison shop to help ensure you have the lowest rates. It’s possible to still find a better deal by splitting coverages up.

These discounts can cut auto insurance rates

Not many people think insurance is cheap, but there could be significant discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but lesser-known reductions have to be inquired about before you will receive the discount. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.

• Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Anti-theft System – Vehicles with anti-theft systems help deter theft and that can save you a little bit as well.
• Safe Drivers – Insureds without accidents may save up to 50% more for Sebring insurance than drivers with accidents.
• Discount for Life Insurance – Some companies give lower auto insurancerates if you buy auto and life insurance together.
• Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy on the internet.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chrysler could qualify for lower prices due to less chance of an accident.

We need to note that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

A partial list of companies that may have most of the discounts above are:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

Double check with each company how you can save money. Some credits might not be offered in your area.

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When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might point out if you would benefit from professional advice.

• Are all vehicle passengers covered by medical payments coverage?
• Do I need higher collision deductibles?
• Does my policy cover my teen driver if they drive my company car?
• Is my 2006 Chrysler Sebring covered for flood damage?
• How much liability insurance is required?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Car insurance policy specifics

Having a good grasp of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Collision coverage

This coverage pays for damage to your Sebring from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chrysler Sebring.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like pain and suffering, medical services, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, chiropractic care, ambulance fees, surgery and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, falling objects, a tree branch falling on your vehicle and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Budget-friendly insurance coverage is definitely available both online and from local insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers may not have online rate quotes and most of the time these regional insurance providers prefer to sell through independent insurance agents.

We just presented many tips how you can get a better price on 2006 Chrysler Sebring insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest premium rates come from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Helpful learning opportunities

• A Tree Fell on Your Car: Now What? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Tread Depth and Tire Safety (State Farm)
• Booster Seat Ratings (iihs.org)

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