1997 Chrysler LHS Insurance Cost

Searching for the cheapest insurance coverage rates for your Chrysler LHS? Have you had enough of trying to scrape together enough money to buy car insurance? You’re in the same situation as millions of other consumers.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best rate

If you have car insurance now, you should be able to cut costs considerably using this strategy. Buying car insurance is not rocket science. Although consumers do need to know the way companies market on the web and use this information to your advantage.

Take advantage of discounts

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Some trigger automatically when you quote, but lesser-known reductions have to be requested specifically before you get the savings.

  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Good Student – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Auto/Home Discount – If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Safe Driver Discount – Safe drivers may save up to 50% more for LHS coverage than less cautious drivers.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Drive Less and Save – Fewer annual miles on your Chrysler could be rewarded with lower rates on the low mileage vehicles.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get better insurance coverage rates for LHS coverage.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will reduce your overall premium however.

A partial list of companies who might offer some of the above discounts are:

Check with each insurance company how you can save money. Some discounts might not apply everywhere.

Chrysler LHS rates are complex

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Pleasure use saves money – The more miles you rack up on your Chrysler in a year the higher your rates will be. Almost all companies apply a rate based on their usage. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated LHS may be wasting your money. Ask your agent if your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Protect yourself with liability coverage – The liability section of your policy is the protection if a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Do you know you’re credit rating? – Your credit score is a large factor in determining what you pay for insurance. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit. Therefore, if your credit rating is low, you could pay less to insure your 1997 Chrysler LHS by improving your credit score.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • Your location affects your rates – Choosing to live in small towns and rural areas can save you money when buying insurance. City drivers tend to have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • How your age affects price – Teen drivers tend to get distracted easily in a vehicle so they pay higher insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
  • A clean driving record saves money – A bad driving record has a big impact on rates. Even one citation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to continue driving.

How to know if you need help

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine whether you might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • What is roadside assistance coverage?
  • Am I covered when driving someone else’s vehicle?
  • Is my camper covered by my car insurance policy?
  • Am I getting all the discounts available?
  • Am I covered if hit by an uninsured driver?
  • Are split liability limits better than a combined single limit?
  • Does my 1997 Chrysler LHS need full coverage?
  • Does my insurance cover my expensive audio equipment?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Don’t listen to company ads

Auto insurance providers like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all say the same thing of big savings if you move your coverage to them. How can each company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer they prefer to insure. For instance, a desirable insured might be over the age of 50, has no tickets, and has a short commute. A customer who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don’t measure up to this ideal profile will have to pay a higher premium and ends up with the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can advertise the savings.

Because of the profiling, it is so important to compare as many rates as you can. It’s impossible to know the company that will have the lowest Chrysler LHS insurance rates.

Auto insurance coverages

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, fire damage, damage from flooding, rock chips in glass and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like EMT expenses, prosthetic devices, dental work, X-ray expenses and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle 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

Liability car insurance – This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – Collision insurance covers damage to your LHS caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, crashing into a ditch, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Save your cold hard cash

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We just presented many ideas to get a better price on 1997 Chrysler LHS insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with some of the smallest insurance companies. These companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Low-cost insurance is definitely available on the web as well as from independent agents, so compare prices from both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

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