View 2004 Chrysler Crossfire Insurance Quotes

Enter your zip code below to view companies that have cheap auto insurance rates.

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 ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for cheaper auto insurance rates for your Chrysler Crossfire? No one in their right mind looks forward to buying auto insurance, especially when their premiums are too high. Since consumers have many insurance providers from which to choose, it’s difficult to find the most cost effective insurer.

How to Get Auto Insurance

There are several ways you can shop for Chrysler Crossfire auto insurance but there is one way that is more efficient than others. 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 quotes to get prices fast.

Many popular insurance companies belong to a marketplace where insurance shoppers only type in their quote data once, and at least one company provides a quote. This system prevents you from having to do quote requests to each individual auto insurance company.

To compare 2004 Chrysler Crossfire rates using this form now click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify the companies to get quotes from. If you would rather choose specific insurance companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click to view list.

Whichever method you choose, make darn sure you compare exactly the same coverages and limits for every quote you compare. If you have different values for each quote it will be next to impossible to determine the best price for your Chrysler Crossfire.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specially asked for in order for you to get them. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount because owning a home shows financial diligence.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for better insurance rates on Crossfire coverage.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy could earn a price break for each car.
  • Defensive Driver – Completing a driver safety course could save 5% or more if your company offers it.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.

Consumers should know that most discount credits are not given the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way. But all discounts will bring down the amount you have to pay.

For a list of insurers with the best insurance discounts, click here to view.

Lesser-known factors impacting Chrysler Crossfire insurance rates

It’s important that you understand the rating factors that go into determining your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to big savings.

Listed below are a few of the “ingredients” companies use to determine prices.

  • Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates. If your Chrysler Crossfire has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Battle of the sexes – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women are in accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations such as reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Drive less and save money – The more you drive in a year the higher your rate. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance policy is showing the correct driver usage. If your policy improperly rates your Crossfire may be costing you.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages that can waste your money if you aren’t careful. Things like roadside assistance, accident forgiveness and membership fees may be wasting your money. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Your location is important – Living in a rural area has it’s advantages when insuring your vehicles. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. Lower population means reduced accidents and a lower car theft rate.
  • Occupation reflects on rates – Jobs such as real estate brokers, executives and financial analysts are shown to have higher average rates attributed to high stress levels and lots of time spent at work. Conversely, occupations like scientists, engineers and retirees pay the least on Crossfire coverage.
  • Too many car insurance claims drive up costs – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies generally give lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Do you know you’re credit rating? – Credit score is a important factor in your rate calculation. People with good credit tend to be more responsible than drivers with lower credit ratings. Therefore, if your credit score is low, you could potentially save money when insuring your 2004 Chrysler Crossfire by repairing your credit.

Car insurance is unique, just like you

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • How do I buy GAP insurance?
  • How can I force my company to pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if my car is in a flood?
  • Is a fancy paint job covered?
  • Do I need higher collision deductibles?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Can you really save $406 a year?

Consumers constantly see and hear ads for car insurance savings by State Farm and Allstate. They all seem to have a common claim about savings if you change to their company.

But how can every company claim to save you money?

All the different companies have a preferred profile for the right customer that is profitable for them. For example, a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has great credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Consumers who fall outside this ideal profile will be quoted a higher premium which leads to business going elsewhere. The ads say “drivers who switch” not “people who quote” save money. That is how insurance companies can confidently make those claims.

This emphasizes why drivers must get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest Chrysler Crossfire insurance rates.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chrysler Crossfire.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like dental work, pain medications, prosthetic devices and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage – This coverage will pay to fix damage to your Crossfire caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Auto liability – This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, pain and suffering and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, vandalism and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Summing up your auto insurance search

Cost effective 2004 Chrysler Crossfire insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

In this article, we covered many ways to lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the biggest savings come from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Allstate and Progressive.

Additional resources

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles