Cheap 1997 Chrysler Sebring Insurance Quotes

If you’re looking for more affordable insurance online, do you get frustrated by the sheer number of insurance coverage sources? consumers have such a vast assortment of sources available that it can turn into a real difficult job to find better prices.

It’s a good idea to check insurance coverage prices once or twice a year since insurance rates change frequently. Just because you had the best deal for Sebring coverage two years ago there may be better deals available now. Ignore everything you know about insurance coverage because you’re going to learn the fastest and easiest way to find better rates and still maintain coverage.

If you have car insurance now, you should be able to lower your premiums substantially using these methods. Buying more affordable protection can be fairly easy. Nevertheless, drivers can benefit by having an understanding of how big insurance companies compete online and use this information to your advantage.

Do you qualify for discount auto insurance?

Not many people think insurance is cheap, but you can get discounts to cut the cost considerably. Most are applied at the time you complete a quote, but less common discounts must be specially asked for prior to getting the savings.

  • Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you quote car insurance for Sebring coverage but check with your company.
  • Auto/Home Discount – When you combine your auto and home insurance and insure them both with the same insurance company you may earn up to 20% and get you low cost car insurance.
  • More Vehicles More Savings – Buying a policy with primary and secondary vehicles with the same company qualifies for this discount.
  • Payment Discounts – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.
  • Life Insurance – Larger insurance carriers have a discount if you purchase some life insurance too.
  • Passenger Safety Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
  • Good Drivers – Accident-free drivers could pay up to 40% less for Sebring coverage compared to accident prone drivers.
  • Paper-free Discount – Some insurance companies give back up to $50 get car insurance on the internet.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • Early Signing – Some auto insurance companies give discounts for switching policies prior to your current policy expiration. You could save around 10% when you buy car insurance online.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will cut the premium cost.

The best auto insurance companies and a summarized list of policyholder discounts are:

  • Esurance discounts include homeowner, claim free, renters, Switch & Save, and multi-policy.
  • The Hartford offers premium reductions for bundle, good student, driver training, anti-theft, vehicle fuel type, air bag, and defensive driver.
  • AAA has savings for good student, multi-policy, good driver, anti-theft, multi-car, AAA membership discount, and pay-in-full.
  • Geico offers discounts including multi-vehicle, anti-lock brakes, air bags, membership and employees, and federal employee.
  • State Farm offers discounts for passive restraint, safe vehicle, multiple policy, good driver, defensive driving training, Steer Clear safe driver discount, and multiple autos.

When getting free car insurance quotes, it’s a good idea to each company which discounts you qualify for. Some discounts listed above may not apply to policyholders in your area.

Low cost insurance rate quotes

The majority of larger companies allow consumers to get insurance quotes online. Comparing rates online doesn’t take a lot of time as all you need to do is type in your coverage information as detailed in the form. After you complete the form, their system obtains your driving and credit reports and quotes a price based on these and other factors.

Online price estimates makes it a lot easier to compare rates but the time required to go to several different sites and complete many quote forms is a waste of time. But it’s also necessary to have as many quotes as possible if you want to get a lower rate.

There is an easier way to compare rates

The quickest way to find lower prices utilizes a single form that obtains quotes from several different companies. It’s a real time-saver, requires less work, and makes online price comparison much easier. After your information is entered, it is rated and you are able to buy any or none of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

If you want to compare pricing, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you replicate the coverages as shown on your current policy. This ensures you will receive rate quotes based on the exact same insurance coverage.

What insurance coverages do I need?

When buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your situation could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Do I need rental car coverage?
  • Is my Chrysler Sebring covered if I use it for business?
  • Does my personal policy cover me when driving out-of-state?
  • Is my cargo covered for damage or theft?
  • Is my trailer covered?
  • When should my teen driver be added to my policy?
  • Am I better off with higher deductibles on my 1997 Chrysler Sebring?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverages for a 1997 Chrysler Sebring

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as medical services, medical expenses, attorney fees, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Sebring from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, rehabilitation expenses, doctor visits, surgery and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chrysler Sebring.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, falling objects, rock chips in glass, damage from getting keyed and vandalism. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A fool and his money are soon parted

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. In many cases, an insured cut uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Lower-priced auto insurance can be bought from both online companies and with local insurance agents, so you need to shop car insurance with both to have the best rate selection. Some auto insurance companies may not have the ability to get a quote online and most of the time these small insurance companies only sell through independent agents.

Drivers switch companies for a variety of reasons including policy non-renewal, not issuing a premium refund, delays in responding to claim requests and questionable increases in premium. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

Additional information