1999 Chrysler LHS Insurance Rates – 5 Tips for Cheaper Quotes

Want cheaper car insurance rates for your Chrysler LHS? Nobody fancies paying their premiums for car insurance, especially when they know they could find lower prices if they just compared rates.

Popular companies such as Geico, Farmers Insurance and State Farm persitently shower you with TV and radio ads and it can be hard to ignore the propoganda and find the best price available.

It’s a good idea to get comparison quotes periodically because car insurance prices are adjusted regularly by insurance companies. Even if you got the best deal on LHS coverage two years ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to teach you the right way to lower your annual insurance bill.

If you currently have car insurance, you will be able to lower your premiums substantially using these tips. Finding affordable coverage is not that difficult. But consumers should learn the methods companies use to compete online and use this information to your advantage.

Insurance discounts are available to lower your rates

Car insurance can cost a lot, but you might already qualify for some discounts to reduce the price significantly. Most are applied at quote time, but a few must be requested specifically before they will apply. If they aren’t giving you every credit available, you are just wasting money.

  • Good Student Discount – This discount may save you up to 25%. Most companies allow this discount up until you turn 25.
  • Own a Home and Save – Owning your own home or condo can get you a discount since owning and maintaining a home requires a higher level of personal finance.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings up to 30%.
  • Discounts for Multiple Vehicles – Insuring multiple cars on the same insurance policy may reduce the rate for each vehicle.

Just know that some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

Large insurance companies and some of their more popular discounts include:

  • Geico has savings for defensive driver, daytime running lights, air bags, anti-theft, and driver training.
  • Mercury Insurance policyholders can earn discounts including multi-policy, good student, multi-car, ease of repair, anti-theft, and professional/association.
  • Farmers Insurance may include discounts for mature driver, youthful driver, switch companies, distant student, and business and professional.
  • Auto-Owners Insurance discounts include paperless, company car, mature driver, good student, student away at school, and anti-theft.
  • Liberty Mutual may have discounts that include exclusive group savings, new move discount, teen driver discount, hybrid vehicle, new graduate, and multi-policy.
  • SAFECO offers discounts for bundle discounts, teen safety rewards, homeowner, safe driver, anti-theft, anti-lock brakes, and drive less.
  • Progressive may offer discounts for multi-policy, homeowner, good student, continuous coverage, online quote discount, and online signing.
  • USAA includes discounts for new vehicle, military installation, defensive driver, family discount, multi-policy, safe driver, and loyalty savings.

If you need lower rates, check with each insurance company how many discounts you can get. A few discounts might not apply in your state. If you would like to view insurance companies who offer free insurance quotes, follow this link.

Save $429 a year! What?

Companies like Progressive, Allstate and Geico consistently run ads in print and on television. All the companies seem to make the promise that you can save if you switch to their company. How is it possible that every company can make the same claim? This is how they do it.

All companies have a preferred profile for the type of insured that makes them money. For instance, a preferred risk could be between 30 and 50, carries full coverage, and has a short commute. Any customer who meets those qualifications will most likely get cheap premium rates and most likely will cut their rates substantially.

Potential insureds who don’t qualify for these standards will have to pay higher rates and ends up with the driver buying from a lower-cost company. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can confidently make it sound like they have such great premium rates. Because every company is different, it’s extremely important to do a price quote comparison at every renewal. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

Everyone needs different insurance coverage coverages

When buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out if your situation would benefit from professional advice.

  • Are my friends covered when driving my 1999 Chrysler LHS?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I insured when driving a different vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage when making deliveries for my home business?
  • Why do I need rental car insurance?
  • Why am I required to buy liability insurance?
  • What if I owe more than I can insure my car for?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage considerations

Learning about specific coverages of car insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, a broken windshield and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as chiropractic care, ambulance fees, X-ray expenses and doctor visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, structural damage and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chrysler LHS.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

In the end, you save

More affordable car insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide internet price quotes and many times these regional insurance providers sell through independent insurance agencies.

We just presented a lot of tips how to shop for 1999 Chrysler LHS insurance online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a small mutual company. Some small companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm or Progressive.

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