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Chrysler Chrysler Town-And-Country Insurance Rates

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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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UPDATED: Feb 2, 2020

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Searching for cheaper insurance rates for your Chrysler Town and Country? Consumers who are new to comparing rates online can find finding low-cost insurance quite challenging.

It’s a good habit to take a look at other company’s rates before your policy renews since rates change regularly. If you had the best rates for Town and Country insurance a year ago other companies may now be cheaper. Starting right now, ignore everything you know about insurance because you’re going to learn the proper way to find better rates and still maintain coverage.

Chrysler Town and Country insurance premiums are calculated by many factors

It’s important that you understand the rating factors that go into determining auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.

  • Cautious drivers pay less – Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Special features that cut premiums – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Your credit rating is important – Your credit rating is a important factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit score can use some improvement, you could potentially save money when insuring your 2013 Chrysler Town and Country by improving your rating.
  • Being married can save on auto insurance – Having a wife or husband can get you a discount on your auto insurance policy. It translates into being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies award discounts to people who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings get lower rates. Safer cars protect occupants better and fewer injuries means lower claim amounts and lower rates for you. If your Chrysler Town and Country scored better than four stars on Safercar.gov you are probably receiving a discount.
  • What are your deductibles? – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Chrysler. A few examples of covered claims would be a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount you have to pay, the lower your rates will be for Town and Country insurance.
  • Little extras can really add up – There are quite a few add-on coverages that can waste your money on your auto insurance policy. Insurance for roadside assistance, accident forgiveness and membership fees are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.

Are you getting all your discounts?

Car insurance is not cheap, but there could be available discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but some may not be applied and must be inquired about before you will receive the discount.

  • Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates on your policy for Town and Country insurance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Town and Country insurance with select insurance companies.
  • No Accidents – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.

Drivers should understand that most credits do not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

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For a list of insurers with the best car insurance discounts, click this link.

Auto insurance myths debunked

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies make the same claim about savings if you move your coverage to them. How can each company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that earns them a profit. An example of a profitable customer could possibly be a mature driver, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.

Drivers who do not match these standards must pay higher rates which leads to business not being written. The ads say “customers that switch” not “people who quote” save that much money. That’s the way companies can make the claims of big savings.

This illustrates why you need to quote coverage with many companies. It’s not possible to predict which auto insurance company will give you the biggest savings on Chrysler Town and Country insurance.

Tailor your coverage to you

When it comes to buying coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Are there companies who specialize in insuring high-risk drivers?
  • What is no-fault insurance?
  • Does my 2013 Chrysler Town and Country qualify for pleasure use?
  • Is business property covered if stolen from my car?
  • Am I covered if I wreck a rental car?
  • What is covered by UM/UIM coverage?
  • Do I have newly-aquired coverage?
  • Do I need more liability coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage options for a 2013 Chrysler Town and Country

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance – This coverage will cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like bail bonds, emergency aid, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage 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 coverage pays for claims like falling objects, a broken windshield, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance pays for damage to your Town and Country from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like doctor visits, rehabilitation expenses, funeral costs and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2013 Chrysler Town and Country.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Keep this in mind

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many situations where an insured dropped collision coverage and learned later that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, policy cancellation, lack of trust in their agent and even delays in paying claims. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

We’ve covered some good ideas how you can reduce 2013 Chrysler Town and Country insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from the smaller companies.

Additional detailed information can be read in these articles:

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