2000 Chrysler Grand Voyager Insurance Rates – 10 Tips for Best Quotes

Looking for cheaper auto insurance rates for your Chrysler Grand Voyager? Finding cheaper insurance for your Chrysler Grand Voyager can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to find auto insurance online and we’ll show you the proper way to quote coverages for a new or used Chrysler and find the best price possible from both online companies and local agents.

Consumers should take time to do rate comparisons on a regular basis because rates change regularly. Just because you found the best premium rates on Grand Voyager insurance a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to learn the fastest way to lower your annual insurance bill.

Use discounts on insurance

Auto insurance companies don’t always advertise the complete list of policy discounts very clearly, so the following list contains some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Early Signing – A few larger companies offer discounts for buying a policy before your current expiration date. You may see this discount when you get insurance quotes online.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Multiple Policy Discount – If you can combine your homeowners and auto policy with one company they may give you a discount of up to 20% and get you the cheapest insurance.
  • Auto/Life Discount – Larger insurance companies have a discount if you purchase some life insurance too.
  • Professional Organizations – Participating in qualifying employment or professional organizations may earn a discount on insurance.
  • Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction on Grand Voyager insurance with a few insurance companies.
  • Multi-car Discount – Purchasing coverage when you have more than one vehicle on one policy may reduce the rate for each vehicle.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Data Collection Discounts – Policyholders that allow their insurance company to look at vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they show good driving skills.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts can be read below.

  • Progressive has savings for online quote discount, multi-vehicle, continuous coverage, homeowner, multi-policy, and good student.
  • MetLife policyholders can earn discounts including good driver, accident-free, good student, multi-policy, and defensive driver.
  • Mercury Insurance includes discounts for anti-theft, good student, type of vehicle, good driver, professional/association, and multi-car.
  • Nationwide has discounts for good student, business or organization, multi-policy, accident-free, and Farm Bureau membership.
  • Geico offers premium reductions for federal employee, military active duty, emergency military deployment, air bags, seat belt use, membership and employees, and multi-policy.
  • AAA may have discounts that include multi-policy, anti-theft, education and occupation, AAA membership discount, and good student.

Before buying, ask every prospective company the best way to save money. Savings may not apply to policyholders everywhere. To see insurance companies that offer discounts, click this link.

Low cost insurance prices

Lowering your 2000 Chrysler Grand Voyager insurance rates can be surprisingly simple. Drivers just need to invest a little time comparing rate quotes from some recommended companies. Shoppers can get rates in just a few minutes using one of these methods.

  1. The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for every insurance company. One form submission gets you coverage quotes direct from many companies. It’s definitely the quickest method.
  2. A more time consuming way to compare prices consists of going to the website for every company you want to comare and complete a new quote form. For examples sake, let’s assume you want to compare prices for USAA, Allstate and Travelers. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient and most time consuming method to get price estimates is driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the personal advice only provided by licensed agents. However, consumers can comparison shop online and still use a local agent.

However you get your quotes, be certain you are entering nearly identical coverage information with every price quote. If the quotes have different values for each quote then you won’t be able to get a fair rate comparison.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Should I have a commercial auto policy?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving on a suspended license?
  • Does my policy cover me when driving someone else’s vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage

This coverage pays for damage to your Grand Voyager resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, backing into a parked car, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for X-ray expenses, hospital visits and prosthetic devices. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from getting keyed, falling objects, hail damage and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Chrysler Grand Voyager.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for liability

Liability coverage will cover damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, legal defense fees, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Be a money saver!

Budget-friendly auto insurance can be bought online and from local insurance agents, so get free insurance quotes from both of them to have the best rate selection. A few companies may not provide online quoting and these regional carriers work with independent agents.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. The goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

We just covered some good ideas how to shop for 2000 Chrysler Grand Voyager insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding the cheapest insurance. Consumers may even find the most savings is with some of the lesser-known companies.

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