Have you had enough of paying out the nose to insure your Chrysler every month? Your situation is no different than many other drivers. Companies like Progressive, State Farm and Geico continually hit you with catchy ads and it is difficult to avoid their marketing magic and find the best price available.
It’s a great practice to get comparison quotes before your policy renews since rates are adjusted regularly by insurance companies. Even if you got the lowest price for Sebring coverage a year ago there may be better deals available now. Starting right now, ignore everything you know about auto insurance because you’re about to learn the best methods to remove unneeded coverages and save money.
If you have a policy now or need new coverage, you can follow these tips to find better prices while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know how to shop for car insurance online.
Reducing your 1998 Chrysler Sebring insurance rates is actually quite simple. The only thing you need to do is invest a few minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.
For a handy list of car insurance company links in your area, click here.
Which method you use is up to you, but make darn sure you compare exactly the same coverages for every company. If the quotes have different liability limits you can’t possibly make a fair comparison for your Chrysler Sebring.
When it comes to choosing coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you might need professional guidance.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.
Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as crashing into a ditch, hitting a mailbox, damaging your car on a curb, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for X-ray expenses, surgery and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible
Coverage for liability – Liability insurance will cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability can pay for things such as legal defense fees, pain and suffering and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.
Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like damage from flooding, falling objects and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chrysler Sebring.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.