Cheap 2014 Chrysler Town and Country Car Insurance Rates
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UPDATED: Feb 2, 2020
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Drivers have options when trying to find low-cost Chrysler Town and Country insurance. You can either waste hours driving around getting price quotes or leverage the internet to compare rates.
There is a right way and a wrong way to buy insurance and you need to know the absolute fastest way to get price quotes on a Chrysler and get the cheapest rates.
The purpose of this post is to teach you the best way to quote coverages. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Consumers just need to learn the proper methods to buy insurance on the web.
Lots of discounts mean lots of savings
Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you purchase, but less common discounts must be inquired about before they will apply. If they aren’t giving you every credit possible, you are throwing money away.
- Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
- Discount for New Cars – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
- Life Insurance – Some companies give better rates if you take out auto and life insurance together.
- Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Town and Country insurance than their less cautious counterparts.
- Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
- 55 and Retired – Mature drivers may qualify for better insurance rates on Town and Country insurance.
- Student in College – Any of your kids living away from home attending college and don’t have a car can receive lower rates.
- Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
Keep in mind that most credits do not apply the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of coverage.
Companies that may have these benefits include:
Double check with every prospective company what discounts are available to you. Some discounts may not be available in every state.
How to Compare Car Insurance Costs
All the larger car insurance companies such as State Farm, GEICO and Progressive allow you to get insurance quotes directly from their websites. Getting online quotes doesn’t take a lot of time as you just enter the amount of coverage you want into a form. Upon sending the form, the system orders your driving record and credit report and returns a price based on many factors.
This streamlines rate comparisons, but the process of having to visit multiple sites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find lower prices.
An easier way to find cheaper rates utilizes a single form that obtains quotes from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes online shopping a lot less work. Immediately after submitting the form, it is quoted and you are able to buy your choice of the returned quotes.
If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It takes just a few minutes to complete and can result in significant savings.
To quickly find out what other companies charge, click here to open in new window and fill out the form. If you currently have coverage, we recommend you replicate deductibles and limits as shown on your current policy. This ensures you’re receiving a price comparison for similar insurance coverage.
Chrysler Town and Country rates are in the details
Consumers need to have an understanding of the different types of things that help determine insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower insurance prices.
The following are some of the items used by your company to calculate premiums.
- Lower rates come with age – Youthful drivers have a tendency to be less responsible when behind the wheel so they pay higher insurance rates. Older insureds tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
- Always keep insurance in force – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
- Increase deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chrysler from damage. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The more you have to pay, the bigger discount you will receive on Town and Country insurance.
- Discounts for married couples – Having a wife or husband can get you a discount on your policy. It means you’re more responsible and it’s statistically proven that drivers who are married are more cautious.
- More claims means more premium – Insurance companies generally give better rates to insureds who are claim-free. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
- Sex matters – The statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men are in accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive insurance rates.
- Better credit scores mean better rates – Your credit score is a large factor in calculating your insurance rates. Therefore, if your credit score is lower than you’d like, you could pay less to insure your 2014 Chrysler Town and Country by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
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Situations that might require an agent
When choosing the best car insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.
Here are some questions about coverages that might point out whether you might need professional guidance.
- Can I make deliveries for my home business?
- I don’t drive much so do I pay less?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I covered if I hit my neighbor’s mailbox?
- Is business property covered if stolen from my car?
- Am I better off with higher deductibles on my 2014 Chrysler Town and Country?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
Beware of misleading insurance coverage ads
Consumers can’t get away from ads that promise big savings from companies such as State Farm, GEICO and Progressive. They all say the same thing that you’ll save big after switching your policy.
How can each company make the same claim? This is how they do it.
All the different companies can use profiling for the right customer that makes them money. For instance, a preferred risk could be between the ages of 40 and 55, has no tickets, and has a high credit rating. Any new insured who matches those parameters will get the preferred rates and most likely will save when switching.
Drivers who don’t measure up to the requirements must pay a higher premium and ends up with business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make the claims of big savings.
This illustrates why drivers should get as many quotes as possible. It’s not possible to predict which insurance coverage company will have the lowest Chrysler Town and Country insurance rates.
What insurance coverages do you need?
Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like hospital visits, funeral costs and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Collision coverages – Collision insurance pays for damage to your Town and Country 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 can pay for claims such as crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.
Liability – This will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not 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. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like legal defense fees, bail bonds, repair bills for other people’s vehicles, court costs and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.
Don’t be a big spender
Drivers switch companies for many reasons like not issuing a premium refund, denial of a claim, unfair underwriting practices or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.
Budget-conscious 2014 Chrysler Town and Country insurance can be found online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured cut full coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
More detailed insurance information is available by following these links:
- Child Safety Seats (Insurance Information Insitute)
- State Car Insurance Guides (GEICO)
- Choosing a Car for Your Teen (State Farm)
- Teen Driver Licensing Information (iihs.org)
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