2016 Chrysler Town and Country Insurance Quotes

Trying to find cheaper auto insurance rates for your Chrysler Town and Country? Searching for cheaper insurance for a Chrysler Town and Country could be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the best way to quote coverages for your Chrysler and obtain the best price possible either online or from local insurance agents.

You should take the time to get comparison quotes on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the best premium rates for Town and Country insurance at your last renewal you will most likely find a better price today. Forget all the misinformation about auto insurance because you’re about to find out the quickest way to reduce your cost while improving coverage.

Discounts can really help save money

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Many discounts should be triggered when you quote, but once in a while a discount must be asked for before you will receive the discount.

  • Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
  • Life Insurance – Select insurance carriers reward you with better prices if you take out life insurance.
  • Good Student – Being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% for Town and Country insurance but check with your company.
  • Organization Discounts – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next insurance statement.
  • Claim Free – Insureds with no claims or accidents pay much less when compared with bad drivers.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the insurance companies who might offer most of these discounts are:

Before buying, ask every insurance company which discounts can lower your rates. A few discounts might not apply in your area. To locate providers that offer discounts, click this link.

What impacts Chrysler Town and Country insurance rates?

Many things are considered when premium rates are determined. Some are obvious such as your driving record, but some are more obscure such as whether you are married or your vehicle rating.

  • Getting married can save on car insurance – Having a significant other actually saves money on your car insurance bill. Having a spouse means you’re more mature and responsible and statistics prove married drivers tend to have fewer serious accidents.
  • Little extras can really add up – There are quite a few extra add-on coverages that can add up but may not be useful. Insurance for roadside assistance, better glass coverage, and membership fees are some examples. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Get a ticket, pay higher premiums – Drivers who don’t get tickets receive lower rates compared to bad drivers. Even one moving violation may cause rates to rise twenty percent or more. Drivers who get dangerous violations such as DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to continue driving.
  • Poor credit can mean higher costs – Having a good credit history can be a huge factor in determining your rates. Insureds with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit rating is not that good, you may save money insuring your 2016 Chrysler Town and Country by repairing your credit.
  • Deter vehicle theft – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
  • Males pay higher prices – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Women and men get in at-fault accidents at a similar rate, but the male of the species have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and therefore are the most expensive to insure.

Will just any policy work for me?

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation might need professional guidance.

  • Can I make deliveries for my home business?
  • What if I owe more than I can insure my car for?
  • Does my 2016 Chrysler Town and Country qualify for pleasure use?
  • When can my company non-renew my policy?
  • Are rental cars covered under my policy?
  • Does insurance cover tools stolen from my truck?
  • Is my trailer covered?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, loss of income and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Town and Country resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, hitting a mailbox, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like prosthetic devices, surgery, doctor visits and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, fire damage, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Money doesn’t grow on trees

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that it was a big error on their part. Your goal should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

Some insurance providers may not offer rates over the internet and many times these small, regional companies work with independent insurance agencies. Cost effective 2016 Chrysler Town and Country insurance is attainable from both online companies as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Drivers switch companies for many reasons like questionable increases in premium, not issuing a premium refund, poor customer service or high rates after DUI convictions. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

Much more information about insurance coverage can be read at the links below