1999 Chrysler Cirrus Insurance Quotes

Searching for cheaper insurance coverage rates for your Chrysler Cirrus? If you are a novice to online insurance coverage shopping, it’s easy to get overwhelmed due to the large number of online insurance coverage companies and websites competing for business.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but less common discounts must be specifically requested prior to getting the savings.

  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Student Driver Training – Require your teen driver to complete a driver education course if offered at their school.
  • Bundle and Save – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • No Accidents – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Own a Home – Simply owning a home can help you save on insurance coverage because owning a home is proof that your finances are in order.

Drivers should understand that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. But any discount will cut your overall premium however.

Insurance companies that may have these benefits include:

Check with all companies you are considering which discounts you may be entitled to. Discounts might not apply everywhere.

Chrysler Cirrus rate determination is complex

An important part of buying insurance is that you know some of the elements that play a part in calculating your auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are some of the items companies use to determine rates.

  • Marriage pays dividends – Having a spouse actually saves money on your auto insurance policy. Having a significant other usually means you are more mature and statistics show being married results in fewer claims.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more money you have to pay, the less your company will charge you for insurance for Cirrus coverage.
  • Credit scores impact auto insurance rates – A driver’s credit history is a huge factor in your rate calculation. If your credit score is not that good, you could pay less to insure your 1999 Chrysler Cirrus by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
  • Tickets mean higher rates – Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers receive lower rates than their less careful counterparts. Even a single citation can boost insurance rates by twenty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Rates may be lower depending on your job – Jobs such as lawyers, executives and accountants tend to have higher rates than average in part from stressful work requirements and lengthy work days. On the flip side, jobs such as pilots, athletes and the unemployed receive lower rates for Cirrus coverage.
  • Frequent auto insurance claims increase rates – Auto insurance companies generally give discounts to people who do not file claims often. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Liability coverage is peace of mind – The liability section of your policy is the protection when a jury decides you are liable for damages caused by your negligence. It will provide legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.

Everyone needs different coverages

When it comes to buying the best car insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • What happens if I owe more than my 1999 Chrysler Cirrus is worth?
  • At what point should I drop full coverage?
  • Am I better off with higher deductibles on my 1999 Chrysler Cirrus?
  • Why does it cost so much to insure a teen driver?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does having multiple vehicles earn me a discount?
  • Should I get collision insurance on every vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Slick advertising tricks that work

Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. All the companies make the same claim of big savings if you change your policy. How can each company make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as between 25 and 40, has no tickets, and has a short commute. Any driver who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who don’t meet this ideal profile will have to pay higher prices which usually ends up with business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save money. That is how companies can make the claims of big savings.

Because of the profiling, you absolutely need to compare many company’s rates. It’s not possible to predict which company will give you the biggest savings on Chrysler Cirrus insurance.

Learn about insurance coverages for a 1999 Chrysler Cirrus

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chrysler Cirrus.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability – This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see 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. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees, medical expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as surgery, hospital visits, doctor visits, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Cirrus caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

The bottom line

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Drivers leave their current company for a number of reasons such as delays in paying claims, high prices, unfair underwriting practices or delays in responding to claim requests. Regardless of your reason, finding the right auto insurance provider can be easier than you think.

You just learned a lot of ways to save on 1999 Chrysler Cirrus insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

For more information, link through to the resources below: