1995 Chrysler LHS Insurance Quotes

Looking for the cheapest insurance rates for your Chrysler LHS? Have you had enough of robbing Peter to pay Paul to buy car insurance? Your situation is no different than millions of other consumers. You have multiple car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, lots of choices makes it harder to get the best deal.

It’s a good idea to shop coverage around occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates on LHS insurance a few years ago you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to buy cheaper insurance.

Elements that influence Chrysler LHS insurance rates

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in better auto insurance rates.

Shown below are some of the items auto insurance companies consider when setting premiums.

  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If your Chrysler scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Your credit rating is important – Credit history is a large factor in determining your rates. If your credit score is not that good, you could be paying less to insure your 1995 Chrysler LHS by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Don’t skimp on liability – Liability coverage provides coverage if ever you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Men pay higher rates – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women have accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.

Vehicle Insurance Comparison

All major insurance companies like Allstate and Progressive quote prices on the web. Getting online rates is fairly simple as you just enter your coverage information into a form. After the form is submitted, their rating system makes automated requests for your driving record and credit report and generates a price. Online quotes simplifies rate comparisons, but the process of having to visit several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you are searching for a lower rate.

The easiest way to find cheaper rates uses one simple form to return rates from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes price shopping online much more efficient. After your information is entered, it is rated and you can choose your choice of the quotes returned.

If you find a better price you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and could lower your rates considerably.

If you want to find out how much you can save on insurance, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles as shown on your current policy. Using the same limits helps guarantee you’re receiving a fair comparison using the same coverage and limits.

Do drivers who switch really save $412 a year?

Consumers constantly see and hear ads that promise big savings from the likes of Allstate and Progressive. They all seem to have a common claim that you can save after switching your coverage to them.

But how can every company make the same claim? It’s all in the numbers.

All the different companies have a preferred profile for the driver that makes them money. For example, a preferred risk could possibly be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile must pay a higher premium which usually ends up with business not being written. The ads state “people who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the way they do.

This illustrates why you should compare many company’s rates. It is impossible to predict which insurance companies will fit your personal profile best.

Be sure to get all your discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few must be specially asked for in order for you to get them. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • No Charge for an Accident – A few companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application on their website.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut your overall premium however.

For a list of insurance companies who offer car insurance discounts, follow this link.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can aid in determining if you may require specific advice.

  • Should I bundle my homeowners policy with my auto?
  • When should I buy a commercial auto policy?
  • Is my ex-spouse still covered by my policy?
  • Is rental equipment covered for theft or damage?
  • Should I rate my 1995 Chrysler LHS as pleasure use or commute?
  • Am I insured when driving a different vehicle?
  • Do I need replacement cost coverage on my 1995 Chrysler LHS?
  • Should I buy additional glass protection?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle, rock chips in glass, damage from flooding and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chrysler LHS.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for funeral costs, surgery, nursing services, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – This coverage will cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, funeral expenses, court costs and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your LHS resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

And the best car insurance company is…

We covered a lot of information how to lower your 1995 Chrysler LHS insurance rates. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured cut physical damage coverage only to find out that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Additional auto insurance information is available at these links: