1997 Chrysler LHS Insurance Rates
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UPDATED: Mar 30, 2020
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Finding the most affordable auto insurance online may be intimidating for beginners to online price comaprisons. Since there are so many insurers available, how can consumers have a chance to compare the different rates to find the cheapest rates?
Consumers should take time to price shop coverage once or twice a year since insurance rates tend to go up over time. Even if you got the lowest price for LHS insurance six months ago you may be paying too much now. So just forget all the misinformation about auto insurance because it’s time to teach you the easiest way to save money, get proper coverage and the best rates.
If you currently have car insurance, you will most likely be able to save some money using this strategy. The purpose of this post is to instruct you on the most effective way to quote insurance and some money-saving tips. But car owners should learn the methods companies use to market on the web and apply this information to your search.
The quickest way to compare car insurance company rates is to understand most of the larger companies have advanced systems to compare their rates. The one thing you need to do is give them some information like the type of vehicles you drive, whether you drive to work or school, your general credit rating, and how much coverage you want. Those rating factors is then submitted to many highly-rated insurers and they provide comparison quotes instantly.
Companies like State Farm, GEICO and Progressive consistently run ads in print and on television. All the ads say the same thing that you’ll save big if you change to them. How does each company make almost identical claims? It’s all in the numbers.
Insurance companies have a certain “appetite” for the driver that is profitable for them. For instance, a preferred risk might be profiled as a mature driver, has no driving citations, and drives less than 7,500 miles a year. Any driver who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.
Drivers who don’t meet the “perfect” profile will be quoted more money which usually ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can advertise the savings. This emphasizes why it’s extremely important to get a wide range of price quotes. You cannot predict the company that will have the lowest Chrysler LHS insurance rates.
Policy discounts you shouldn’t miss
Car insurance companies do not list all their discounts in a way that’s easy to find, so we break down some of the more common and also the lesser-known discounts you could be receiving.
- Safety Course Discount – Taking a driver safety course could cut 5% off your bill if your company offers it.
- Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
- Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
- Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
- Student Driver Training – Have your child take driver’s ed class if offered at their school.
- Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
- No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
As a disclaimer on discounts, some credits don’t apply the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.
For a list of companies offering insurance discounts, follow this link.
Insurance agents can help
When choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.
These are some specific questions could help you determine whether you would benefit from professional advice.
- Is a fancy paint job covered?
- Am I covered when driving on a suspended license?
- Why do I only qualify for high-risk insurance?
- Are there companies who specialize in insuring high-risk drivers?
- Does liability extend to a camper or trailer?
- Are my tools covered if they get stolen from my vehicle?
- Is my state a no-fault state?
- When does my teenage driver need to be added to my policy?
- Can I afford to pay high deductible claims out of pocket?
- Can my teen drive my company car?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
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Parts of your insurance policy
Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.
Liability car insurance
Liability insurance will cover damage that occurs to a person or their property. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability coverage pays for things like repair costs for stationary objects, court costs, attorney fees, legal defense fees and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chrysler LHS.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like hail damage, fire damage, falling objects and theft. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for bills like surgery, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.
When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage and discovered at claim time that it was a big error on their part. The aim is to buy a smart amount of coverage at a price you can afford.
Drivers switch companies for a number of reasons such as delays in responding to claim requests, policy non-renewal, high prices and even policy cancellation. Regardless of your reason for switching companies, finding a great new company is easier than you think.
Budget-conscious 1997 Chrysler LHS insurance can be purchased both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
To read more, feel free to browse the articles below:
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