2004 Chrysler Concorde Insurance Rates
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UPDATED: Feb 28, 2020
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Comparing insurance coverage rates online might seem complicated at first if you’re new to online quotes. But relax because there is an easy way to compare rates.
Buying affordable coverage is quite easy. Just about every vehicle owner who is required by state law to have insurance will be able to find lower rates. But car owners need to have an understanding of how companies price online insurance and use this information to your advantage.
Save money by taking advantage of these six discounts
Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but less common discounts must be inquired about before you will receive the discount.
- Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
- Discount for New Cars – Insuring a new car can be considerably cheaper compared to insuring an older model.
- Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
- Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Concorde insurance depending on your company.
- Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
- Save over 55 – Mature drivers may be able to get a discount up to 10% for Concorde insurance.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will help reduce your premiums.
To see a list of insurance companies offering insurance discounts, click here to view.
Free Quotes for Insurance
Effectively comparing insurance prices can take hours if you don’t understand the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.
The majority of car insurance companies belong to a marketplace that enables customers to submit one quote, and each participating company returns a competitive quote. This prevents consumers from doing quote forms to each individual insurance company.
To access this free quoting program, click here to open in new window.
The only downside to using this type of system is that consumers can’t choose which carriers you want to price. If you prefer to choose specific providers to request quotes from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.
However you get your quotes, make sure you use the exact same coverage information for every company. If your comparisons have differing limits it will be next to impossible to make a fair comparison for your Chrysler Concorde. Slightly different insurance coverages could mean much higher rates. Keep in mind that comparing a large number of companies helps you find the best rates.
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When should I use an insurance agent?
When choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.
For example, these questions might point out if your situation would benefit from an agent’s advice.
- If I drive on a suspended license am I covered?
- Does my car insurance cover rental cars?
- Am I insured when driving a different vehicle?
- What is the rate difference between pleasure use and commuting?
- Is upholstery damage covered by car insurance?
- Should I buy more coverage than the required minimum liability coverage?
- Do I need to file an SR-22 for a DUI in my state?
- What if I don’t agree with a claim settlement offer?
- How much liability coverage do I need in my state?
- At what point should I drop full coverage?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.
Buyer beware of insurance advertising tricks
Insurance companies such as State Farm and Allstate consistently run ads on TV and radio. They all seem to make the same claim that you can save if you change your coverage to them. 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. A good example of a driver they prefer could be between the ages of 40 and 55, is a homeowner, and has great credit. A customer who fits that profile will qualify for the lowest rates and most likely will save a lot of money.
Consumers who fall outside the “perfect” profile must pay higher rates which usually ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the savings.
This illustrates why you need to compare as many rates as you can. It’s impossible to know which insurance companies will provide you with the cheapest Chrysler Concorde insurance rates.
Auto insurance coverage specifics
Knowing the specifics of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2004 Chrysler Concorde.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive auto coverage
This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, theft, hitting a deer, hail damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as colliding with another moving vehicle, damaging your car on a curb, backing into a parked car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for short-term medical expenses like pain medications, EMT expenses, nursing services and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability auto insurance
This provides protection from damage or injury you incur to other’s property or people in an accident. 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 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like structural damage, legal defense fees, attorney fees, loss of income and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Money doesn’t grow on trees
As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an insured cut liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.
We covered a lot of tips how to reduce 2004 Chrysler Concorde insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising.
Insureds change insurance companies for many reasons like delays in responding to claim requests, poor customer service, policy non-renewal and being labeled a high risk driver. Regardless of your reason, finding a great new company can be less work than you think.
Additional insurance information can be found below:
- Electronic Stability Control FAQ (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)
- Neck Injury FAQ (iihs.org)
- Distracted Driving Extends Beyond Texting (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Comprehensive Coverage (Liberty Mutual)
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