Save on 2005 Chrysler Sebring Car Insurance Quotes

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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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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.

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Expensive auto insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. You have multiple insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates.

You should make it a habit to compare prices on a regular basis because insurance rates tend to go up over time. Despite the fact that you may have had the lowest rates for Sebring coverage two years ago you may be paying too much now. You can find a lot of wrong information about auto insurance on the internet, so I’m going to show you some tested techniques to find cheap auto insurance.

The purpose of this post is to instruct you on how to get online quotes and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Drivers only need to know the most efficient way to compare rates online.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. Most are applied when you quote, but a few must be inquired about in order for you to get them. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Organization Discounts – Belonging to a professional or civic organization could trigger savings on auto insurance for Sebring coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Sebring coverage than their less cautious counterparts.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
  • Homeowners Pay Less – Owning a house can save you money because owning a home shows financial diligence.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will reduce your premiums.

To see a list of insurance companies offering auto insurance discounts, click here to view.

Comprehensive Auto Insurance Comparison

Cutting your auto insurance rates is surprisingly easy. The only thing you need to do is spend a little time to get quotes online from several insurance companies. This is very easy and can be done in several different ways.

  1. The recommended way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for boring form submissions to each individual auto insurance company. One form submission will return quotes from several companies.
  2. A more difficult way to get quotes online is going to each company’s website and request a quote. For example, let’s assume you want comparison quotes from State Farm, Farmers and Progressive. To find out each rate you need to go to every website to input your insurance 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 which method you use, but make sure you use identical coverage information for each price quote. If you use mixed coverages it will be next to impossible to make an equal comparison.

When might I need help?

When choosing coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I make deliveries for my home business?
  • What are the best liability limits?
  • What if I don’t agree with a claim settlement offer?
  • Can I afford to pay high deductible claims out of pocket?
  • How do I file an SR-22 for a DUI in my state?
  • What if I total my 2005 Chrysler Sebring and owe more than it’s worth?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

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Car insurance 101

Understanding the coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Liability coverages – This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for funeral costs, EMT expenses, hospital visits, prosthetic devices and doctor visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, hitting a bird, a broken windshield, hail damage and rock chips in glass. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This pays for damage to your Sebring resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chrysler Sebring.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Final thoughts

When shopping online for auto insurance, it’s not a good idea to reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cheap 2005 Chrysler Sebring insurance can be purchased from both online companies in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Helpful learning opportunities

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