2000 Chrysler Voyager Insurance Rates
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UPDATED: Jun 12, 2015
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Shoppers have a choice when shopping for affordable Chrysler Voyager insurance. You can either waste hours driving around trying to get quotes or use the internet to find the lowest rates.
There is a right way and a wrong way to buy insurance coverage and we’ll show you the absolute fastest way to quote coverages for your Chrysler and find the cheapest rates.
Smart consumers take time to take a look at other company’s rates quite often because insurance rates go up and down regularly. If you had the best deal for Voyager coverage six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the only way to lower your rates without sacrificing coverage.
Vehicle Insurance Comparison
There are a variety of methods to compare 2000 Chrysler Voyager auto insurance quotes, and some are less labor-intensive and much quicker. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use the web to achieve your goal.
Many of the larger companies belong to a marketplace that enables customers to send in one quote, and every company then gives them pricing based on the submitted data. This saves time by eliminating form submissions for every auto insurance company.
To compare pricing click here to open in new window.
The single downside to pricing coverage this way is buyers cannot specifically choose which companies you want to price. So if you want to select individual companies to compare, we have a listing of low cost auto insurance companies in your area. Click here to view list.
Whichever method you choose, ensure you’re using exactly the same coverage limits and deductibles on every quote. If you compare differing limits it will be impossible to make a fair comparison for your Chrysler Voyager.
Do drivers who switch really save?
Consumers can’t get away from ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. All the companies make the same claim about savings after switching your coverage to them.
How do they all make the same claim? This is how they do it.
All companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk might be profiled as between 30 and 50, has no tickets, and has great credit. A propective insured who meets those qualifications receives the best rates and most likely will save when they switch companies.
Consumers who don’t meet this ideal profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much. That is how insurance companies can state the savings.
This emphasizes why it’s extremely important to get as many comparisons as possible. It is impossible to predict which insurance companies will fit your personal profile best.
Save money by taking advantage of these nine discounts
Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. Some trigger automatically when you complete an application, but less common discounts must be specifically requested before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.
- Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
- Senior Citizens – Older drivers may be able to get better insurance coverage rates for Voyager coverage.
- Drivers Education – Have your child successfully complete driver’s ed class if it’s offered in school.
- Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more if you qualify.
- Passive Restraints and Air Bags – Vehicles with factory air bags may earn rate discounts of 20% or more.
- Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
- No Charge for an Accident – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
- Homeowners Discount – Being a homeowner may trigger a insurance coverage policy discount due to the fact that maintaining a home is proof that your finances are in order.
Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, you won’t be that lucky. Any amount of discount will cut your overall premium however.
Insurance companies that may offer some of the above discounts include:
Double check with each company which discounts you may be entitled to. All car insurance discounts may not be available in your area.
When should I use an insurance agent?
When it comes to choosing coverage, there really is no “best” method to buy coverage. Each situation is unique.
For instance, these questions might help in determining if your insurance needs would benefit from professional advice.
- Is a blown tire covered by insurance?
- How much can I save by bundling my policies?
- Should I have combined single limit or split liability limits?
- Why am I required to buy liability insurance?
- Is other people’s property covered if stolen from my vehicle?
- Is my 2000 Chrysler Voyager covered for flood damage?
- At what point should I drop full coverage?
- Do I need higher collision deductibles?
- How can I force my company to pay a claim?
- Will my rates increase for filing one claim?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.
Coverages available on your policy
Having a good grasp of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chrysler Voyager.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.
Collision – Collision coverage pays for damage to your Voyager from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as scraping a guard rail, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Liability insurance – Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, structural damage, bail bonds and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.
Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from a tornado or hurricane, hail damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses such as rehabilitation expenses, dental work, chiropractic care, X-ray expenses and pain medications. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Smart shoppers get results
As you shop your coverage around, never buy poor coverage just to save money. Too many times, an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Budget-conscious 2000 Chrysler Voyager insurance can be bought online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and these small insurance companies work with independent agents.
Consumers leave their current company for a variety of reasons including policy cancellation, policy non-renewal, extreme rates for teen drivers or poor customer service. Whatever your reason, choosing a new company can be pretty painless.
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