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1998 Chrysler Cirrus Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 4, 2020

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Having to pay for overpriced insurance coverage can empty your personal savings and force you to make sacrifices. Comparing price quotes is a smart way to lower your monthly bill. Insurance companies such as GEICO, Progressive and Allstate increase brand awareness with ad campaigns and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

Factors that can influence Chrysler Cirrus insurance rates

It’s important that you understand the factors that help determine the price you pay for insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

The following are a partial list of the pieces companies use to determine prices.

  • Traffic citations inflate rates – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to keep their license.
  • Never let your coverage lapse – Allowing your insurance policy to lapse will be a quick way to trigger a rate increase. Not only will rates go up, getting caught without coverage may earn you a revoked license or a big fine.
  • High deductibles save money – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Chrysler from damage. Examples of covered claims are collision with another vehicle, collision with an animal, or theft. Your deductibles are the amount of money you are required to spend if you file a covered claim. The higher the amount you’re willing to pay, the less your insurance will be on Cirrus insurance.
  • Multi-policy discounts can save money – Most insurers provide better rates to people who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to ensure the best deal.
  • Where you live can impact rates – Being located in a rural area has it’s advantages when buying insurance. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities tend to have congested traffic and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Being married is a good thing – Getting married helps lower the price on your insurance policy. Having a spouse is viewed as being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Safe vehicles cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Chrysler Cirrus has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Policy discounts you shouldn’t miss

Companies don’t always publicize every discount very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Paperless Signup – Certain companies will give a small break for buying your policy digitally online.
  • Accident Waiver – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Cirrus insurance than drivers with accident claims.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for discounted rates on garaged vehicles.

Drivers should understand that many deductions do not apply the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of insurers offering insurance discounts, click here to view.

Slick advertising tricks that work

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the ads say the same thing that you can save if you switch your policy.

How do they all make the same claim? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured might be profiled as a mature driver, a clean driving record, and has excellent credit. A customer that hits that “sweet spot” will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t meet this ideal profile will be quoted higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s the way companies can state the savings. This emphasizes why you should compare as many rates as you can. It is impossible to predict which company will have the lowest Chrysler Cirrus insurance rates.

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Insurance agents can help

When buying coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

  • Do I need rental car coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage considerations

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Liability car insurance

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against claims like structural damage, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, hitting a deer, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Cirrus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chrysler Cirrus.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like dental work, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Quote more. Save more.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

We covered quite a bit of information on how to get a better price on 1998 Chrysler Cirrus insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a small mutual company. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

More information can be read at the links below

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