Compare 2006 Chrysler Town and Country Car Insurance Cost

Looking for better insurance rates for your Chrysler Town and Country? Paying for pricey Chrysler Town and Country insurance can sap your budget and force you to tighten up your finances. Big-name insurance companies like Progressive, State Farm and Geico all claim big savings, bombarding you with catchy ads and it can be hard to ignore the propoganda and take the time to shop coverage around.

It’s important to compare prices occasionally since insurance rates are variable and change quite frequently. Just because you found the best deal for Town and Country coverage a year ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to quote online to eliminate unnecessary coverages and save money.

If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers just need to understand the best way to compare rates online.

Insurance price influencing factors

An important part of buying insurance is that you know some of the factors that help determine the level of your policy premiums. When you understand what determines base rates, this enables you to make decisions that will entitle you to better insurance rates. Multiple criteria are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but other criteria are more transparent like where you live or your commute time.

The itemized list below are just a few of the factors companies use to determine your prices.

• Pay more if you have a long commute – Choosing to live in smaller towns and rural areas of the country has it’s advantages when it comes to insurance. Drivers in populated areas regularly have traffic congestion and longer commutes to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
• Rates increase with driving citations – Being a careful driver impacts your car insurance rates tremendously. Good drivers have lower premiums compared to bad drivers. Even one moving violation can increase rates by as much as twenty percent. Drivers who get dangerous citations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state in order to continue driving.
• Bad credit hurts insurance premiums – A driver’s credit score is a large factor in determining what you pay. If your credit history is lower than you’d like, you could be paying less to insure your 2006 Chrysler Town and Country by improving your credit score. Consumers who have excellent credit scores tend to be better risks to insure as compared to drivers with poor credit scores.
• Gender is a factor – The statistics show that females take fewer risks when driving. However, this does not mean males are worse at driving than females. Men and women are responsible for at-fault accidents at about the same rate, but the men have accidents that have higher claims. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 cause the most accidents and therefore pay the highest rates.
• Pleasure use saves money – The higher the miles on your Chrysler every year the higher your rate. Almost all companies rate vehicles based on their usage. Cars and trucks that sit idle most of the time receive lower rates than those that get driven frequently. It’s a smart idea to ensure your policy shows the correct driver usage. An incorrectly rated Town and Country can cost quite a bit.

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Auto insurance discounts help reduce rates

Companies don’t always advertise all possible discounts very clearly, so we break down both well-publicized and also the more inconspicuous auto insurance savings.

• Defensive Driver Discount – Successfully completing a class that teaches defensive driver techniques is a good idea and can lower rates if your company offers it.
• Own a Home – Owning a house can earn you a little savings because maintaining a house is proof of financial responsibility.
• Switch and Save Discount – A few insurance companies offer discounts for renewing your policy prior to your current policy expiration. Ten percent is about the average savings.
• Anti-lock Brake System – Cars with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
• Drive Less and Save – Keeping the miles down on your Chrysler can qualify you for lower auto insurancerates due to less chance of an accident.
• New Vehicle Savings – Adding a new car to your policy can get you a discount compared to insuring an older model.
• Telematics Discount – Drivers that enable their auto insurance company to look at driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
• Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles with the same auto insurance company can get a discount on all vehicles.

One last thing about discounts, most discounts do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

A few popular companies and some of the discounts are detailed below.

• 21st Century offers discounts including driver training, early bird, 55 and older, teen driver, student driver, anti-lock brakes, and good student.
• State Farm includes discounts for passive restraint, multiple policy, student away at school, Steer Clear safe driver discount, good student, good driver, and Drive Safe & Save.
• AAA may include discounts for pay-in-full, multi-car, multi-policy, AAA membership discount, and anti-theft.
• Liberty Mutual offers premium reductions for hybrid vehicle, new graduate, multi-policy, exclusive group savings, newly married, and multi-car.
• Progressive has savings for continuous coverage, good student, homeowner, online quote discount, multi-vehicle, and multi-policy.

Check with all companies you are considering which discounts they offer. Some discounts might not be offered everywhere. To see insurers that have a full spectrum of discounts, follow this link.

Which is the best car insurance?

When buying the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• Can my teen driver be rated on a liability-only vehicle?
• Do I have coverage for damage caused while driving under the influence?
• What is covered by UM/UIM coverage?
• How do I file an SR-22 for a DUI in my state?
• Is my state a no-fault state?
• Do I need rental car coverage?
• Do I need more liability coverage?
• Should I sign the liability waiver when renting a car?
• Do I pay less for low miles?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Liability coverage

This 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. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical services, emergency aid, pain and suffering, court costs and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage caused by 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 coverage pays for things like sideswiping another vehicle, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, dental work, EMT expenses, doctor visits and pain medications. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hitting a deer, fire damage and falling objects. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

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Coverage on a shoestring budget

More affordable insurance coverage can be sourced online and from local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer online quoting and these regional carriers provide coverage only through local independent agents.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed collision coverage only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

For more information, link through to the resources below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)

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