2008 Chrysler Town and Country Insurance Cost – 10 Policy Discounts

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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: Feb 2, 2020

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Having to pay for overpriced Chrysler Town and Country insurance can drain your bank account and put the squeeze on your family’s finances. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Having so many auto insurance companies to choose from, it is hard for the average consumer to pick the cheapest insurer.

It’s smart to do rate comparisons on a regular basis since insurance rates are rarely the same from one policy term to another. If you had the best deal for Town and Country insurance on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out how to use online quotes to get good coverage at a lower rate.

The quickest method to compare car insurance company rates is to know car insurance companies will pay a fee to quote your coverage. The one thing you need to do is give them rating details like if you’re married, the year, make and model of vehicles, if a SR-22 is needed, and if the vehicle is leased. That rating data is submitted instantly to multiple different insurance companies and you will receive price estimates instantly.

Save $461 a year? Really?

Consumers constantly see and hear ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all seem to make the same claim about savings if you change your coverage to them.

How can each company make almost identical claims?

All companies are able to cherry pick for the type of driver they prefer to insure. For example, a preferred risk could possibly be a mature driver, a clean driving record, and drives newer vehicles. A customer that hits that “sweet spot” receives the best rates and therefore will save when they switch companies.

Potential insureds who don’t qualify for these standards will have to pay more money and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can claim big savings. Because of the profiling, drivers should get a wide range of price quotes. You cannot predict which company will have the lowest Chrysler Town and Country insurance rates.

Don’t miss out on these ten money-saving discounts

Companies that sell car insurance do not advertise every discount very well, so we break down some of the more common and also the lesser-known auto insurance savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Sign Online – A handful of insurance companies may give you up to $50 simply for signing online.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared to bad drivers.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Town and Country insurance depending on your company.

A little note about advertised discounts, some credits don’t apply the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of companies with discount auto insurance rates, click this link.

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Do I need special coverages?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover whether you will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • What can I do if my company won’t pay a claim?
  • If my 2008 Chrysler Town and Country is totaled, can I afford another vehicle?
  • Should I sign the liability waiver when renting a car?
  • What is medical payments coverage?
  • Should I buy additional glass protection?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, hitting a bird, damage from flooding and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, crashing into a building, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair costs for stationary objects, bail bonds, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses such as funeral costs, prosthetic devices, chiropractic care, pain medications and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

More effort can pay off

Affordable 2008 Chrysler Town and Country insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.

Throughout this article, we presented a lot of ways to compare insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.

To read more, feel free to visit the resources below:

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