1997 Chrysler Concorde Insurance Cost – 6 Tips to Save

Looking for lower insurance coverage rates for your Chrysler Concorde? Perplexed by the dozens of insurance coverage options? You’re not the only one! People have so many options available that it can be more work than you anticipated to find the lowest price.

Get lower rates on Chrysler Concorde insurance

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so here is a list both the well known and the harder-to-find ways to save on insurance.

  • Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Concorde coverage with certain companies.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Homeowners Pay Less – Owning a home may trigger a insurance policy discount because maintaining a house demonstrates responsibility.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Concorde coverage than drivers with accidents.
  • Low Mileage – Keeping the miles down on your Chrysler can earn better rates on cars that stay parked.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies who might offer these discounts include:

Check with each insurance company what discounts are available to you. Discounts may not apply in your area.

The easiest way to compare car insurance rates is to realize all the major auto insurance companies provide online access to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a little information including if you are currently licensed, how much coverage you want, the make and model of your vehicles, and an estimate of your credit level. Your details is then sent to multiple car insurance providers and they return rate quotes very quickly.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • Is extra glass coverage worth it?
  • Does insurance cover damages from a DUI accident?
  • Should I buy full coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need an umbrella policy?
  • Will my insurance pay for OEM parts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When can my company non-renew my policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverages for a Chrysler Concorde

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chrysler Concorde.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

This coverage provides protection from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills like dental work, rehabilitation expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This will pay to fix damage to your Concorde resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

What is YOUR best insurance company?

Cheap 1997 Chrysler Concorde insurance is available online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and these regional insurance providers work with independent agents.

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, policy cancellation or even delays in paying claims. It doesn’t matter what your reason, switching auto insurance companies is not as hard as you think.

We just showed you some good ideas how you can shop for insurance online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the least-expected company.

Additional auto insurance information can be found at the links below