1997 Chrysler LHS Car Insurance Rates

No car owner anticipates paying for car insurance, particularly when the price is too high. There are many auto insurance companies to choose from, and although it’s a good thing to have multiple companies, it can be more difficult to find the best rates.

Informed drivers save every year

Lots of things are used when you get a price on insurance. Some are obvious like your driving record, but some are more transparent like your vehicle usage or your vehicle rating.Part of the car insurance buying process is learning the factors that aid in calculating your policy premiums. If you understand what impacts premium levels, this enables informed choices that could result in cheaper rates.

  • Never let your car insurance policy lapse – Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance may result in a license revocation or jail time. You may then be required to file a SR-22 with your state DMV.
  • Companies want multiple policies – Most companies will give better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, you still need to compare rates to ensure the best deal.
  • Rental and towing coverage may not be needed – There are a ton of extra add-on coverages that you can buy when buying car insurance. Coverage for things like rental car reimbursement, accident forgiveness, and extra equipment coverage are some examples. They may seem good at first, but if they’re wasting money remove them from your policy.
  • Gender impacts rates – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that females are better at driving than males. They both tend to get into fender benders at a similar rate, but the men tend to have higher claims. Men also statistically receive more costly citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident so it costs more to insure them.

Buy insurance coverage online

Most major insurance companies like State Farm, Geico and Progressive provide prices for coverage from their websites. Getting online quotes is pretty painless because you just enter as requested by the quote form. After the form is submitted, the company’s rating system makes automated requests for your driving record and credit report and generates a price based on these and other factors. This streamlines rate comparisons, but having to visit multiple sites and enter the same data into a form can be a bit repetitive. But it is imperative to compare as many rates as possible in order to get the lowest price.

The quickest way to get multiple rate quotes uses just one form that gets price quotes from several companies at one time. This type of form saves time, requires less work, and makes online quotes much more enjoyable. After your information is entered, it gets priced and you can select any one of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase the new policy. It only takes a few minutes and you’ll know if lower rates are available.

To save time and find out how much you’re overpaying now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with identical to your current policy. This helps ensure you will be getting a price comparison using the same coverage and limits.

Does car insurance advertising bend the truth?

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Geico and Progressive. They all seem to advertise the message that drivers can save some big amount just by moving to them.

How does every car insurance company make the same claim? Here is the trick they use.

Car insurance companies provide the lowest rates for the type of insured they prefer to insure. An example of a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. A customer who matches those parameters gets the lowest premium rates and most likely will save when they switch companies.

Potential insureds who cannot meet those criteria may be required to pay higher premium rates which results in the customer buying from someone else. The ad wording is “customers who switch” not “all people who quote” save that much when switching. That’s why insurance companies can confidently state the savings. Because each company has a different risk profile, you really should get as many free insurance quotes as possible. Because you cannot predict which insurance companies will have better rates than you’re paying now.

Earn discounts on insurance

Companies that sell car insurance do not advertise their entire list of discounts in a way that’s easy to find, so the following is a list of some of the more common as well as some of the hidden savings tricks you should be using when you buy insurance online. If you aren’t receiving every discount possible, you are not getting the best rate possible.

  • New Vehicle Savings – Insuring a new car can save you some money since newer models have better safety ratings.
  • Waiver for an Accident – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before your rates go up if your claims history is clear prior to being involved in the accident.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • Senior Citizen Rates – If you’re over the age of 55, you are able to get a discount up to 10% on LHS coverage.
  • Student Discounts – Being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Early Signing – Some insurance companies give discounts for switching policies prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Discounts for Cautious Drivers – Accident-free drivers can get discounts for up to 45% lower rates on LHS coverage than drivers with accidents.

Please keep in mind that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

Popular insurance companies and a selection of discounts are detailed below.

  • The Hartford includes discounts for bundle, vehicle fuel type, driver training, anti-theft, defensive driver, air bag, and good student.
  • American Family discounts include air bags, mySafetyValet, early bird, good student, and TimeAway discount.
  • Progressive policyholders can earn discounts including multi-vehicle, homeowner, online signing, good student, and multi-policy.
  • Travelers may offer discounts for new car, payment discounts, multi-policy, driver training, continuous insurance, and hybrid/electric vehicle.
  • Farmers Insurance has discounts for distant student, teen driver, homeowner, electronic funds transfer, business and professional, mature driver, and alternative fuel.
  • USAA offers premium reductions for driver training, multi-vehicle, loyalty savings, military installation, annual mileage, multi-policy, and good student.
  • Liberty Mutual offers discounts including new graduate, new move discount, multi-car, newly married, hybrid vehicle, good student, and exclusive group savings.

When quoting, ask all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not be offered in your area. To find insurance companies with significant discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you could use an agent’s help.

  • Should I get collision insurance on every vehicle?
  • Am I missing any policy discounts?
  • Can my teen driver be rated on a liability-only vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my dog or cat covered if injured in an accident?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Learn about auto insurance coverages for a Chrysler LHS

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most auto insurance policies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1997 Chrysler LHS.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, fire damage, theft and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

This protects you from injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in 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. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, medical expenses, loss of income, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, rolling your car, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like rehabilitation expenses, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Don’t throw your cash in the trash

There are still a few companies who do not offer the ability to get quotes online and usually these smaller companies only sell through independent insurance agencies. The cheapest 1997 Chrysler LHS insurance can be purchased on the web as well as from independent agents, and you should compare price quotes from both to have the best selection.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. Your objective should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

You just learned many tips how you can lower your 1997 Chrysler LHS insurance car insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding the cheapest insurance. Consumers could even find that the lowest priced insurance coverage comes from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm, Geico and Nationwide.

More detailed insurance coverage information can be read at these sites: