1996 Chrysler Concorde Car Insurance Rates – 5 Tips for Cheapest Quotes

Searching for the cheapest car insurance rates for your Chrysler Concorde? Locating the cheapest insurance for your Chrysler Concorde could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to price shop coverage on a Chrysler and find the lowest price.

If you have a current car insurance policy or are shopping for new coverage, you can use these tips to find the best rates and still get good coverage. Pricing the cheapest coverage can be fairly easy. Vehicle owners only need to know the tricks to shop over the internet.

Compare car insurance rates

Comparing car insurance rates can take time and effort if you don’t know the most efficient way. You could spend your day driving to local insurance agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company can give them a price. This prevents consumers from doing quote forms to each company. To get comparison pricing now click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which providers you want to price. So if you want to select individual companies to request quotes from, we have a page of companies who write car insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use identical coverage limits and deductibles for every company. If the quotes have different liability limits you will not be able to determine the best price for your Chrysler Concorde.

Cheap insurance coverage rates with discounts

Insurance coverage is not cheap nor is it fun to buy but you might find some hidden discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but some must be specifically requested before you will receive the discount.

  • College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
  • Theft Deterent – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Concorde coverage with some insurance coverage companies.
  • Save with More Vehicles Insured – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save a little on medical payment and PIP coverage.

We need to note that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.

A few popular companies and a partial list of their discounts can be read below.

  • American Family may offer discounts for multi-vehicle, air bags, defensive driver, Steer into Savings, bundled insurance, mySafetyValet, and good student.
  • State Farm may have discounts that include accident-free, good student, passive restraint, multiple autos, multiple policy, and safe vehicle.
  • 21st Century discounts include automatic seat belts, air bags, good student, driver training, defensive driver, anti-lock brakes, and homeowners.
  • Travelers offers discounts for hybrid/electric vehicle, continuous insurance, early quote, home ownership, and IntelliDrive.
  • Geico offers premium reductions for five-year accident-free, multi-vehicle, federal employee, defensive driver, and good student.

When getting free auto insurance quotes, it’s a good idea to each insurance company to give you their best rates. Savings may not be available in your state. For a list of companies that provide some of the discounts listed above, click this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Why is insurance for a teen driver so high?
  • Am I covered when driving a rental car?
  • Should I buy only the required minimum liability coverage?
  • What is the minimum liability in my state?
  • What if I total my 1996 Chrysler Concorde and owe more than it’s worth?
  • Which companies will insure high-risk drivers?
  • When can I cancel my policy?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance policy specifics

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like prosthetic devices, surgery and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 1996 Chrysler Concorde.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage

This pays for damage to your Concorde resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, hitting a mailbox, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Shop around and save

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, poor customer service, unfair underwriting practices or even policy non-renewal. Whatever your reason, finding a new car insurance company can be easy and end up saving you some money.

Some car insurance companies don’t offer online rate quotes small insurance companies only sell coverage through independent agents. The cheapest 1996 Chrysler Concorde insurance is definitely available online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money.

We’ve covered many ways to lower your 1996 Chrysler Concorde insurance premium rates. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from a company that doesn’t do a lot of advertising.

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