View 2000 Chrysler LHS Car Insurance Rates

Finding low-cost insurance for a Chrysler LHS can be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to buy car insurance and we’ll show you the quickest way to compare rates for a Chrysler and get the lowest price from both online companies and local agents.

Find discounts to get cheap insurance coverage rates

Car insurance can cost a lot, but you might be missing out on some discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few must be asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Accident Forgiveness – This one isn’t a discount, but companies like Geico, State Farm, and Progressive will turn a blind eye to one accident without raising rates so long as you are claim-free prior to the accident.
  • ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save a little off PIP or medical payments premium.
  • Multi-car Discount – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new vehicles have better safety ratings.
  • Early Switch Discount – A few insurance companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Homeowners Discount – Just being a homeowner can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
  • Online Discount – Some of the larger companies provide a small discount just for signing your application online.
  • Resident Student – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

A list of insurance coverage companies and some of their more popular discounts include:

  • State Farm policyholders can earn discounts including student away at school, defensive driving training, multiple policy, Steer Clear safe driver discount, accident-free, good student, and Drive Safe & Save.
  • American Family includes discounts for Steer into Savings, accident-free, multi-vehicle, TimeAway discount, good student, air bags, and bundled insurance.
  • AAA may include discounts for pay-in-full, good student, multi-car, AAA membership discount, multi-policy, and anti-theft.
  • Geico offers discounts for military active duty, daytime running lights, defensive driver, emergency military deployment, and air bags.
  • Mercury Insurance has savings for multi-policy, ease of repair, location of vehicle, professional/association, type of vehicle, and annual mileage.
  • Farmers Insurance offers premium reductions for distant student, electronic funds transfer, bundle discounts, alternative fuel, good student, mature driver, and switch companies.
  • Progressive offers discounts including online quote discount, multi-policy, homeowner, continuous coverage, good student, and online signing.

It’s a good idea to ask each insurance company what discounts are available to you. A few discounts may not be offered in your area. To see companies that offer many of these discounts, click here.

How insurance providers determine Chrysler LHS insurance premiums

Lots of things are considered when you get a price on insurance. Most are fairly basic like a motor vehicle report, but others are more transparent like where you live or your financial responsibility.The best way to find cheaper insurance coverage is to take a look at the different types of things that come into play when calculating your policy premiums. If you have a feel for what impacts premium levels, this enables informed choices that can help you get lower premium levels.

  • Teen drivers pay higher rates – Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Drivers with little experience have been known to be inattentive when behind the wheel therefore insurance coverage rates are much higher.
  • No policy lapses lowers insurance coverage rates – Driving without insurance coverage in place is illegal and as a result your rates will increase for letting your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.
  • Prevent theft and lower rates – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features like OnStar, LoJack tracking, and tamper alarms can thwart your vehicle from being stolen.
  • Your location is a factor – Choosing to live in a rural area has it’s advantages when talking about insurance coverage. Less people translates into fewer accident claims in addition to fewer liability claims. People in densly populated areas tend to have more road rage incidents and more time behind the wheel. The longer drive time means higher likelihood of an accident.
  • Do you know your deductibles? – The deductibles you choose tell how much you are willing to pay if a claim is determined to be covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of some claims that would be covered could be a windshield broken by a bird, collision with a deer, and having a roll-over accident. The higher the amount the insured is willing to pay, the less money you will pay for insurance coverage for LHS insurance.

Tailor your insurance coverage to you

When buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions could help you determine whether you would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • Exactly who is provided coverage by my policy?
  • Should I get collision insurance on every vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much liability coverage do I need in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that promise big savings for switching from the likes of Progressive, Allstate and Geico. They all seem to advertise the message of big savings just by moving to them.

How can each company cost less than your current company?

Many companies quote the lowest rates for the type of driver that earns them a profit. One example of a profitable insured could be over age 30, has few claims, and has a high credit rating. Anyone who meets those qualifications will get low rates and have a good chance to cut their rates substantially.

Insureds who don’t meet the ideal profile must pay higher premiums which leads to the customer not buying. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can confidently lure you into getting a quote.

This really illustrates why it is so important to compare free car insurance quotes often. It’s not possible to predict which car insurance company will have the lowest rate quotes.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverages – Collision insurance will pay to fix damage to your LHS from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, falling objects, fire damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage – Liability coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

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 liability limits of 50/100/50 that translate to $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. Another option is 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 like repair bills for other people’s vehicles, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for hospital visits, prosthetic devices, rehabilitation expenses, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

More choices the merrier

We just showed you many ways to shop for 2000 Chrysler LHS insurance online. The key concept to understand is the more companies you get auto insurance rates for, the better likelihood of getting affordable car insurance. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for a variety of reasons including delays in paying claims, high rates after DUI convictions, high prices and even questionable increases in premium. Regardless of your reason for switching companies, finding a new car insurance company is pretty easy and you might even save some money in the process.

More affordable car insurance is possible on the web as well as from insurance agents, so you need to quote car insurance with both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and these regional carriers work with independent insurance agencies.

Even more information can be read by following these links: