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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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Trying to find cheaper insurance rates? Buyers have lots of choices when searching for the lowest priced Chrysler Sebring insurance. You can either spend your time struggling with agents to compare prices or save time using the internet to find the lowest rates. There are both good and bad ways to find insurance online so we’re going to tell you the best way to quote coverages for your Chrysler and locate the lowest possible price either online or from local insurance agents.

It’s important to get comparison quotes every six months due to the fact that insurance rates change frequently. Even if you think you had the lowest rates for Sebring insurance six months ago you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the only way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. This information will familiarize you with how to effectively get price quotes and some tips to save money. Drivers just need to understand the best way to shop online.

How much can you save with discounts?

Companies don’t always publicize every available discount very clearly, so we break down some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • No Claims – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Drive Less and Save – Fewer annual miles on your Chrysler could be rewarded with better rates on cars that stay parked.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums for Sebring insurance.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that may offer these benefits include:

Before buying, ask each insurance company what discounts are available to you. Discounts might not be offered everywhere.

Why you might be paying too much to insure your Chrysler Sebring

An important part of buying insurance is that you know the rating factors that go into determining car insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that could result in better car insurance rates.

Listed below are some of the items that factor into premiums.

  • Little extras can really add up – There are a ton of additional coverages that can waste your money when buying car insurance. Coverages like roadside assistance, accident forgiveness and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
  • Your location affects your rates – Living in less populated areas is a positive aspect when it comes to car insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Marriage brings a discount – Getting married can get you a discount on car insurance. Having a significant other usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.
  • Liability coverage protects you – Liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.

How much car insurance do I need?

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • Can my babysitter drive my car?
  • What if I don’t agree with a claim settlement offer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I have a commercial auto policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Is there truth in advertising?

Drivers get pounded daily by advertisements for car insurance savings from companies such as GEICO, State Farm and Progressive. They all make an identical promise about savings after switching your policy.

How does each company say the same thing? It’s all in the numbers.

All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a preferred risk could be over the age of 40, has no prior claims, and has a short commute. Any driver that hits that “sweet spot” will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential customers who do not match the requirements must pay higher premiums which leads to business not being written. The ads say “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do. This illustrates why drivers must compare as many rates as you can. It’s impossible to know the company that will fit your personal profile best.

Car insurance coverages for a Chrysler Sebring

Understanding the coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer, fire damage and a broken windshield. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage will pay to fix damage to your Sebring resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chrysler Sebring.

Due to the fact that 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 very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like hospital visits, dental work and funeral costs. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability

This coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability can pay for claims like funeral expenses, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Saving money is sweet as honey

As you restructure your insurance plan, do not reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.

Drivers leave their current company for a variety of reasons including unfair underwriting practices, policy non-renewal, lack of trust in their agent and even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be pretty painless.

In this article, we covered a lot of techniques to get a better price on 2007 Chrysler Sebring insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest priced insurance comes from a small local company.

Additional information can be read at these links:

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