2008 Chrysler Town and Country Car Insurance Rates – 6 Policy Discounts

Have you had enough of trying to scrape together enough money each month for insurance coverage? You are in the same boat as the majority of other drivers. Since you have so many options, it is hard for the average consumer to choose the most affordable company.

It is always a good idea to get comparison quotes on a regular basis because insurance coverage prices change quite often. Just because you found the best price for Town and Country coverage at your last renewal the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.

Car insurance companies offer many types of discounts

Car insurance is easily one of your largest bills, but there’s a good chance there are discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be specially asked for before they will apply. If you aren’t receiving every discount possible, you could be saving more on your car insurance.

  • Switch and Save Discount – A few insurance companies allow discounts for renewing your policy prior to your current policy expiring. You may see this discount when you get insurance quotes online.
  • Claim-Free Discount – Drivers with accident-free driving histories pay much less in comparison to insureds who have frequent claims or accidents.
  • Military Deployment Discount – Being deployed in the military could be rewarded with lower car insurance rates.
  • Multiple Cars – Buying coverage for multiple cars or trucks with the same car insurance company could earn a price break for each car.
  • Professional Organizations – Having an affiliation with a qualifying organization is a good way to get lower rates on your next renewal.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.

As a footnote on discounts, most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Car insurance companies that may offer quotes with most of the discounts above may include but are not limited to:

Before buying, ask every insurance company how many discounts you can get. All car insurance discounts might not be available to policyholders in your area. To choose companies with significant discounts, click here to view.

Do I just need basic coverages?

When buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Can I get a multi-policy discount?
  • Is a new car covered when I drive it off the dealer lot?
  • If my pet gets injured in an accident are they covered?
  • Does my policy cover my teen driver if they drive my company car?
  • When does my teenage driver need to be added to my policy?
  • Is my state a no-fault state?
  • Should I carry comprehensive and collision coverage?
  • Is extra glass coverage worth it?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Collision – This pays for damage to your Town and Country caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, crashing into a building, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage – 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 coverage protects against claims such as damage from flooding, hitting a deer, theft and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – Liability insurance can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects, loss of income and structural damage. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, doctor visits, prosthetic devices and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

More effort can pay off

We’ve covered many ways to reduce 2008 Chrysler Town and Country insurance car insurance rates online. The most important thing to understand is the more times you quote, the better likelihood of getting low cost insurance. You may even discover the lowest car insurance rates come from a small local company. They may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

When shopping online for insurance, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an insured cut liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Low-cost 2008 Chrysler Town and Country insurance can be bought both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer internet price quotes and most of the time these smaller providers provide coverage only through independent agents.

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