Cheap 1998 Chrysler Town and Country Insurance Quotes

Finding better insurance prices for a Chrysler Town and Country can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find car insurance online and we’ll show you the absolute fastest way to get price quotes on a Chrysler and get the cheapest rates.

Buying car insurance is not that difficult. If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Drivers just need to know the proper methods to compare price quotes on the web.

How to compare insurance quotes

Performing a rate comparison can be exhausting if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get pricing more quickly.

Many of the larger companies are enrolled in a marketplace that enables customers to complete one form, and every company then returns a price quote determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to pricing coverage this way is you cannot specify the providers to get pricing from. So if you want to select specific providers to compare prices, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be certain you are entering the exact same deductibles and coverage limits for every company. If you enter different coverage information you can’t possibly make a fair rate comparison.

Discounts can really help lower rates

Some insurers don’t list their entire list of discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the harder-to-find credits that may apply to you.

  • Military Deployment Discount – Having a deployed family member could be rewarded with lower rates.
  • Good Drivers – Drivers without accidents could pay up to 40% less on Town and Country insurance than their less cautious counterparts.
  • Savings for New Vehicles – Buying coverage on a new vehicle can save you some money since new model year vehicles have better safety ratings.
  • Multi-Vehicle Discounts – Insuring more than one vehicle on a single policy can reduce the rates for all insured vehicles.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Federal Government Employee – Employees or retirees of the government may reduce rates when you quote auto insurance on Town and Country insurance depending on your insurance coverage provider.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

Some of the larger companies that may offer policyholders many of the previously listed discounts may include but are not limited to:

Check with every company to apply every possible discount. Depending on the company, some discounts may not apply in your area. If you would like to view insurance companies that offer multiple discounts, click this link.

Will just any policy work for me?

When buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • Should I have a commercial auto policy?
  • What exactly is covered by my policy?
  • Is rental equipment covered for theft or damage?
  • Should I sign the liability waiver when renting a car?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those 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. It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, damaging your car on a curb, hitting a mailbox, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, medical services, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, hail damage and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1998 Chrysler Town and Country.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses like doctor visits, nursing services and hospital visits. They are 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 being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay