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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 23, 2020

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Locating the cheapest insurance for a Chrysler Sebring could be a lot of work, but you can learn these tips to save time.

There are more efficient ways to compare insurance rates so you’re going to learn the absolute fastest way to price shop coverage for a Chrysler and get the cheapest rates from both online companies and local agents.

How to Compare Insurance Coverage Quotes

Reducing your 1999 Chrysler Sebring insurance rates isn’t really that difficult. Just take a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do repetitive form entry to each individual insurance coverage company. Filling out one form gets you price quotes from multiple companies.It’s the quickest way to get rates.
  2. A more time consuming way to compare rate quotes requires you to visit the website of each company and complete a new quote form. For example, let’s assume you want rates from Farmers, State Farm and Travelers. You would have to visit each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage limits with every price quote. If you use differing limits it will be very difficult to determine the lowest rate for your Chrysler Sebring.

Discounts are available to cut your rates

Properly insuring your vehicles can get expensive, but there could be available discounts to cut the cost considerably. Some trigger automatically when you complete an application, but less common discounts must be requested specifically before you will receive the discount. If you’re not getting every credit available, you’re paying more than you need to.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Accident Free – Claim-free drivers pay less as compared to drivers who are more careless.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

Consumers should know that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will cut your overall premium however.

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

Parts of the Chrysler Sebring rate equation

Consumers need to have an understanding of the factors that help determine the price you pay for insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with lower insurance prices.

  • Rates may be lower depending on your job – Careers like real estate brokers, executives and dentists are shown to have the highest average rates due to high stress and long work days. Other jobs such as actors, historians and retirees pay the least on Sebring coverage.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Cautious drivers pay less – Only having one ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers with severe tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Don’t let your coverage lapse – Letting your insurance expire is a sure-fire way to trigger a rate increase. And not only will your rates increase, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Safer occupants lowers premiums – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you. If the Chrysler Sebring has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Teen drivers pay high rates – Teenage drivers have a tendency to get distracted easily when driving so insurance rates are higher. Having to add a teen driver onto a policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets.

Everyone needs different coverages

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • How high should deductibles be on a 1999 Chrysler Sebring?
  • Are split liability limits better than a combined single limit?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my 1999 Chrysler Sebring covered for smoke damage?
  • Do I need roadside assistance coverage?
  • How much can I save by bundling my policies?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Free Auto Insurance Comparison

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Do car insurance companies bend the truth?

Consumers get pounded daily by advertisements for car insurance savings from companies such as State Farm, Allstate and GEICO. All the ads say the same thing about savings if you change your policy.

But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer they prefer to insure. For example, a desirable insured might be profiled as between 25 and 40, has no driving citations, and has a high credit rating. A driver who matches those parameters gets the lowest rates and as a result will probably save a lot of money.

Consumers who don’t meet this ideal profile will have to pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that much. That is how insurance companies can state the savings.

Because of the profiling, drivers should get as many comparisons as possible. Because you never know which insurance companies will give you the biggest savings on Chrysler Sebring insurance.

Specifics of your insurance policy

Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses like surgery, EMT expenses, pain medications and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not 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 might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, falling objects, fire damage and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Never pay more for less

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Drivers who switch companies do it for a number of reasons such as policy non-renewal, questionable increases in premium, delays in responding to claim requests and high prices. No matter why you want to switch, finding the right insurance provider is not as hard as you think.

We covered a lot of information how to get a better price on 1999 Chrysler Sebring insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising.

To read more, feel free to browse the articles below:

Use our FREE quote tool to compare rates now!

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