Cheap 1998 Chrysler Cirrus Car Insurance Quotes

Want the cheapest auto insurance rates for your Chrysler Cirrus? Are you drained from sacrificing other expenses to pay high auto insurance rates every month? You are in the same boat as many other consumers.

Numerous auto insurance companies battle to insure your vehicles, so it’s not easy to compare every provider to find the absolute lowest rate possible.

If you currently have a car insurance policy, you will be able to save some money using this strategy. Buying car insurance is not that difficult. Nevertheless, car owners must learn how companies market insurance on the web and apply this information to your search.

Insurance Discounts

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some discounts will apply when you purchase, but a few must be specifically requested before you will receive the discount.

  • Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for lower premium rates for Cirrus coverage.
  • Policy Bundle Discount – If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Online Discount – A few larger online companies will provide an incentive just for signing your application online.
  • Good Student Discount – This discount can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote insurance for Cirrus coverage with select insurance companies.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Geico, Progressive, and Allstate may permit one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.

We need to note that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Larger insurance companies and a summarized list of policyholder discounts include:

  • State Farm offers premium reductions for anti-theft, good driver, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, and student away at school.
  • Geico includes discounts for federal employee, five-year accident-free, anti-theft, daytime running lights, and defensive driver.
  • Allstate has discounts for early signing, defensive driver, multi-policy, senior citizen, new car, EZ pay plan discount, and 55 and retired.
  • SAFECO has savings for multi-car, teen safe driver, safe driver, teen safety rewards, and homeowner.
  • Farm Bureau offers discounts including good student, youthful driver, multi-policy, multi-vehicle, safe driver, and 55 and retired.
  • Progressive may offer discounts for good student, online quote discount, online signing, continuous coverage, multi-policy, multi-vehicle, and homeowner.
  • AAA may have discounts that include good student, anti-theft, education and occupation, multi-policy, pay-in-full, and multi-car.

Before purchasing a policy, check with every company which credits you are entitled to. Some of the discounts discussed earlier may not be offered everywhere.

Compare insurance coverage quotes online

Shopping for lower insurance coverage rates can take hours if you don’t utilize the fastest way to get free quotes. You could waste a few hours talking to agents in your area, or you could save time and use online quotes to get the quickest rates.

All the larger companies participate in a marketplace where prospective buyers submit one quote, and every company then gives them pricing determined by their information. This prevents consumers from doing form submissions for each company you want a rate for. To participate in this free quote system, click here (opens in new window).

The only downside to getting quotes like this is you can’t choose which providers you will receive quotes from. So if you want to choose individual companies to compare rates, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but try to keep the exact same coverage limits with every price quote. If each company quotes differing limits you will not be able to make a fair comparison for your Chrysler Cirrus. Even a minor difference in insurance coverages or limits could skew the results. And when quoting insurance coverage, remember that comparing more company’s prices helps increase your odds of locating a lower rate than you’re paying now.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Is my camper covered by my car insurance policy?
  • When should I remove comp and collision on my 1998 Chrysler Cirrus?
  • Who is covered when they drive my 1998 Chrysler Cirrus?
  • Can I get a multi-policy discount?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my trailer covered?
  • Does my insurance cover a custom paint job?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How do I insure my teen driver?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average car insurance policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, surgery, ambulance fees, funeral costs and nursing services. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, theft, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like pain and suffering, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision protection

This covers damage to your Cirrus resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Cirrus.

Due to the fact that 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 is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Make a quick buck

Some companies may not provide online quoting and most of the time these regional insurance providers provide coverage only through independent insurance agents. Budget-conscious 1998 Chrysler Cirrus insurance can be bought on the web and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis.

As you quote insurance, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

More tips and info about insurance coverage is located at these sites: