How Much Does 1999 Chrysler Cirrus Car Insurance Cost?

Searching for cheaper insurance rates for your Chrysler Cirrus? I can’t think of anyone who anticipates paying for insurance, particularly when they could find better prices if they shop around. Because there are so many insurance companies to choose from, it can be hard to choose a more affordable insurer.

You need to compare premium rates every six months because insurance prices are usually higher with each renewal. Just because you had the best rate on Cirrus coverage at your last renewal there is a good chance you can find better premium rates now. Ignore everything you know about insurance because we’re going to demonstrate the best methods to get good coverage at a lower rate.

This information will familiarize you with how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to know the most effective way to buy car insurance on the web.

First Step: Get free insurance quotes

There are a lot of ways to compare insurance prices and some are less labor-intensive and much quicker. You could spend your day talking to agents in your area, or you can utilize the web for quick rates.

The majority of car insurance companies participate in an industry program where insurance shoppers only type in their quote data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests for each company. To participate in this free quote system, click here to start a free quote.

The one disadvantage to pricing coverage this way is that consumers can’t choose the companies to get pricing from. So if you want to choose individual companies to compare rates, we have a page of low cost insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make sure you compare the exact same coverage information for every company. If your comparisons have different coverage information it will be next to impossible to find the best deal for your Chrysler Cirrus.

Are auto insurance companies telling the truth?

Consumers can’t ignore all the ads that claim the cheapest rates by companies like Allstate and Progressive. They all seem to tend to make the same promise of big savings just by moving to their company.

Is it even possible that every company can charge less that you’re paying now? This is the trick they use.

Auto insurance companies provide the lowest rates for the type of insured that earns them a profit. An example of a profitable risk profile may be between 25 and 40, owns their home, and has great credit. Any new insured who fits those characteristics is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who do not meet these stringent criteria must pay a more expensive rate which results in the customer not buying. The wording the ads use say “drivers who switch” not “all people who quote” save that much money. That’s the way insurance companies can confidently make claims like that.

Because each company has a different risk profile, you need to compare free car insurance quotes often. It’s just not possible to know the company that will have the lowest rate quotes.

Use discounts to get cheaper insurance rates

The price of auto insurance can be rather high, but discounts can save money and there are some available that can help lower your rates. Larger premium reductions will be automatically applied when you quote, but a few must be asked for before they will apply.

  • Professional Memberships – Participating in qualifying employment or professional organizations is a good way to get lower rates on your next insurance statement.
  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts in comparison with drivers with a long claim history.
  • Save with More Vehicles Insured – Buying insurance for several vehicles on one policy qualifies for this discount.
  • Senior Discount – Seniors are able to get a discount up to 10% on Cirrus coverage.
  • Distant Student Discount – living away from home attending college and leave their car at home could get you a discount.
  • Home Ownership Discount – Owning a house may earn you a small savings because owning a home is proof of financial responsibility.
  • Early Renewal Discounts – Some insurance companies reward drivers for switching policies before your current policy expires. You could save around 10% when you buy car insurance online.
  • Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • Good Grades Discount – Being a good student can save 20 to 25%. You can use this discount normally up until you turn 25.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The best insurance companies and a selection of discounts are detailed below.

  • State Farm has discounts for multiple policy, Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, passive restraint, accident-free, and student away at school.
  • Farmers Insurance discounts include multi-car, bundle discounts, good student, distant student, and early shopping.
  • Progressive policyholders can earn discounts including multi-policy, multi-vehicle, continuous coverage, online signing, good student, homeowner, and online quote discount.
  • Geico offers discounts including multi-vehicle, multi-policy, good student, anti-theft, and daytime running lights.
  • Auto-Owners Insurance may have discounts that include teen driver, group or association, safe vehicle, multi-policy, air bags, multiple vehicles, and safe driver.
  • The Hartford includes discounts for driver training, anti-theft, good student, air bag, defensive driver, bundle, and vehicle fuel type.
  • Farm Bureau offers premium reductions for multi-vehicle, safe driver, youthful driver, multi-policy, 55 and retired, good student, and driver training.
  • USAA has savings for annual mileage, family discount, multi-vehicle, driver training, good student, and safe driver.

If you need lower rates, check with all companies you are considering which discounts you may be entitled to. Discounts might not be available to policyholders in your area. To choose insurers with discount insurance rates, click here to view.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I have coverage for damage caused while driving under the influence?
  • How much underlying liability do I need for an umbrella policy?
  • Can my teen drive my company car?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need special endorsements for business use of my vehicle?
  • How much liability insurance is required?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum payout a 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 it’s probably time to drop comprehensive insurance.

Collision coverages – This covers damage to your Cirrus caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses for doctor visits, funeral costs, X-ray expenses, surgery and pain medications. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage – Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, medical expenses, loss of income, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler Cirrus.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Have money to burn

There are still a few companies who do not offer the ability to get quotes online regional carriers only sell through independent insurance agencies. Cheaper insurance coverage can be bought online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

We just covered some good ideas how you can compare 1999 Chrysler Cirrus insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with a smaller regional carrier. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive or Geico.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed comprehensive coverage or liability limits only to find out they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best cost, but do not skimp to save money.

More tips and info about insurance coverage can be read in the articles below: