Compare 1997 Chrysler Concorde Car Insurance Cost

Looking for the cheapest auto insurance rates for your Chrysler Concorde? Have you had enough of paying out the nose each month for auto insurance? You’re in the same situation as most other consumers. Because you have many online and local companies to choose from, it is hard for the average consumer to pick a lower cost insurance company.

The easiest way to get policy rate comparisons is to know most larger insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like distance driven, an estimate of your credit level, if your license is active, and whether or not you need a SR-22. Your details is instantly submitted to multiple car insurance providers and you will receive price estimates quickly.

Verify you’re receiving every discount

Some insurers don’t always list all their discounts very clearly, so the list below contains both well-publicized in addition to some of the lesser obvious car insurance savings.

  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Concorde coverage.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when shopping for car insurance.
  • Early Switch Discount – Some companies give discounts for buying a new policy prior to your current policy expiring. It’s a savings of about 10%.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • No Charge for an Accident – This one isn’t a discount, but companies like Allstate, State Farm and Geico allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Distant Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Accident Free – Insureds who avoid accidents and claims get the best car insurance rates when compared with drivers with a long claim history.
  • Telematics Devices – Drivers who agree to allow driving data submission to monitor driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
  • Multiple Cars – Having primary and secondary vehicles on one policy can reduce rates for all insured vehicles.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will help lower your overall premium however.

To view insurers who offer free car insurance quotes, follow this link.

Six things that impact your insurance prices

Many different elements are used when pricing auto insurance. Some factors are common sense like your driving record, but others are more transparent like your continuous coverage or how safe your car is.A large part of saving on insurance coverage is knowing the rating factors that are used to determine the rates you pay for insurance coverage. When you understand what influences your rates, this helps enable you to make changes that could help you find lower insurance coverage prices.

  • Do you work long hours in a high stress job? – Jobs such as lawyersair traffic controllers and dentists generally have the highest rates in part from intense work requirements and long work hours. On the other hand, jobs like farmers, engineers and the unemployed receive lower rates on Concorde coverage.
  • Poor credit decisions can cost you – Credit rating can be a huge factor in your rate calculation. People that have high credit ratings tend to be more responsible than those with poor credit. If your credit can be improved, you could be paying less to insure your 1997 Chrysler Concorde by improving your credit score.
  • Your gender affects costs – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Men and women tend to get into auto accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also get more serious tickets such as DWI and reckless driving. Young men ages 16 to 20 have the highest risk to insure so it costs more to insure them.
  • Safer vehicles cost less to insure – Vehicles with high crash test scores tend to be cheaper to insure. Safer cars help reduce the chance of injuries in an accident and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders.
  • Liability risk factors in – The liability section of your policy will provide protection when you are found liable for physical damage or personal injury to other. It will provide you with a defense in court which can cost a lot. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Youthful drivers cost more – Older people tend to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Teen drivers are statistically shown to be careless and easily distracted when driving so insurance coverage rates are higher.

When should I discuss my situation with an agent?

When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • Does my insurance cover my expensive audio equipment?
  • Do I pay less if my vehicle is kept in my garage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need more liability coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance ads bend the truth

Consumers constantly see and hear ads that claim the best prices by 21st Century, Allstate and State Farm. They all convey the message about saving some big amount if you switch your coverage.

It sounds good, but how can they all give you a lower rate? You have to listen carefully.

Insurance companies require specific criteria for the type of driver that will be a good risk. A good example of a driver they prefer might have to be a married female, has few claims, and has excellent credit. A propective insured who fits that profile will get low rates and will probably save quite a bit of money when switching.

Drivers who do not match the “perfect” profile will be quoted more expensive rates and this results in the customer buying from a different company. The ad wording is “customers that switch” not “all people who quote” save that much. That’s the way companies can truthfully advertise the way they do. Different companies use different criteria so you need to get price quotes at each policy renewal. It’s just too difficult to predict which car insurance company will have the lowest rate quotes.

Car insurance coverages 101

Knowing the specifics of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, a tree branch falling on your vehicle, hitting a bird and fire damage. The maximum 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 consider dropping full coverage.

Medical expense coverage – Med pay and PIP coverage pay for expenses such as doctor visits, funeral costs and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision – Collision insurance covers damage to your Concorde from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, damaging your car on a curb, hitting a mailbox, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability coverage – This will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle 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. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, legal defense fees, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

A little work can save a LOT of money

In this article, we covered quite a bit of information on how to lower your 1997 Chrysler Concorde insurance rates. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost insurance coverage. Consumers may even find the best rates are with a lesser-known regional company. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.

Lower-priced insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and these smaller providers only sell through local independent agents.

More detailed insurance information can be found by following these links: