1998 Chrysler Concorde Insurance Rates
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UPDATED: Nov 18, 2021
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Looking for lower insurance coverage rates for your Chrysler Concorde? Are you a victim of overpriced insurance coverage? Trust us when we tell you you’re not the only one.
Companies like State Farm, GEICO and Farmers Insurance constantly bombard you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Buying car insurance is not that difficult. Although drivers do need to understand how companies sell insurance online and apply this information to your search.
Discounts on 1998 Chrysler Concorde insurance
Companies offering auto insurance do not list all available discounts very well, so we took the time to find some of the best known and the more hidden insurance savings.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Concorde coverage with certain companies.
- Accident Free – Good drivers with no accidents pay less when compared to frequent claim filers.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
- Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings when buying insurance for Concorde coverage.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
- Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more if your company offers it.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
- Homeowners Savings – Owning a home may trigger a insurance policy discount because maintaining a house demonstrates responsibility.
It’s important to understand that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.
Car insurance companies that possibly offer these benefits are:
- State Farm
- 21st Century
- American Family
- The Hartford
Check with each company which discounts they offer. Discounts might not apply everywhere.
The quickest way to compare insurance rates from multiple companies is to know most of the larger companies will pay a fee to compare their rates. The one thing you need to do is spend a couple of minutes providing details such as the ages of drivers, whether your vehicle is owned or leased, if you’re married, and if you went to college. Those rating factors is instantly sent to many different companies and they respond with quotes almost instantly.
To start a rate quote now, click here and find out if lower rates are available.
Your Chrysler Concorde insurance rate is a complex equation
Smart consumers have a good feel for the rating factors that go into determining your insurance coverage rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in better insurance coverage rates.
Listed below are some of the factors that factor into premiums.
- Policy add-ons can waste money – There are a lot of extra coverages that you can buy if you aren’t careful. Insurance for vanishing deductibles, towing coverage and motor club memberships may be wasting your money. They may seem good when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
- Do you qualify for a multi-policy discount? – Most insurance companies will give a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money. You may still be able to find better rates by buying insurance coverage from a different company.
- Sex matters – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men have accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
- Your occupation can affect rates – Careers like doctors, social workers and accountants tend to have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed receive lower rates for Concorde coverage.
- Never allow your policy to lapse – Allowing your insurance coverage policy to lapse is a fast way to increase your insurance coverage rates. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time.Then you may be required to file a SR-22 with your state department of motor vehicles.
- Lower rates with optional equipment – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
- Bump up deductibles to save – Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more money you’re willing to pay, the lower your rates will be for Concorde coverage.
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Tailor your coverage to you
When choosing proper insurance coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.
- When can my company non-renew my policy?
- Why do I only qualify for high-risk insurance?
- How much can I save by bundling my policies?
- Is my 1998 Chrysler Concorde covered for flood damage?
- Am I covered if hit by an uninsured driver?
- Is business equipment covered while in my vehicle?
- Do I need roadside assistance coverage?
- Does medical payments coverage apply to all occupants?
If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Specifics of your insurance policy
Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses for things like funeral costs, chiropractic care, X-ray expenses, rehabilitation expenses and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. 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. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage – Collision insurance will pay to fix damage to your Concorde from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chrysler Concorde.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Liability – This protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things such as pain and suffering, court costs, medical expenses, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
In the end, you save
As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
Cheaper 1998 Chrysler Concorde insurance can be bought from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
More tips and info about auto insurance is located in these articles:
- What to do at the Scene of an Accident (Insurance Information Insitute)
- What Does No-Fault Insurance Cover? (Allstate)
- Understanding Limits and Deductibles (Allstate)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
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