Lower Your 1997 Chrysler Sebring Car Insurance Rates

Want the cheapest insurance coverage rates for your Chrysler Sebring? Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as many other drivers.

Drivers have so many car insurance companies to pick from, and although it’s a good thing to have a selection, it can be more difficult to compare company pricing.

It’s a good habit to get comparison quotes once or twice a year because prices tend to go up over time. Just because you had the best rates for Sebring coverage a few years ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about insurance coverage because we’re going to show you the quickest way to find better rates and still maintain coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to save some money using these techniques. Nevertheless, consumers must know how the larger insurance companies market insurance on the web.

Save big with these discounts

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known insurance coverage savings.

  • Low Mileage – Keeping the miles down on your Chrysler could qualify for better rates on cars that stay parked.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Sebring coverage with a few insurance coverage companies.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Save over 55 – Mature drivers may receive reduced rates for Sebring coverage.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • College Student – Kids in college living away from home attending college and don’t have a car may qualify for this discount.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings on insurance coverage for Sebring coverage.

It’s important to note that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Companies who might offer some of the above discounts may include but are not limited to:

Double check with all companies you are considering how you can save money. All car insurance discounts might not be offered in your state.

How to Compare Insurance Coverage Costs

When shopping for insurance coverage there are multiple ways to compare rate quotes and find the best price. One of the best ways to find competitive 1997 Chrysler Sebring insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  • The best way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating boring form submissions for each company you want a rate for. One simple form will return quotes from all major companies.
  • A harder way to find lower rates is spending the time to visit the website for each individual company to request a price quote. For example, we’ll pretend you want to compare rates from Progressive, GEICO and Farmers. You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

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

Which method you use is up to you, but make darn sure you compare exactly the same coverage information on every quote. If you compare different liability limits it will be very difficult to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when comparison shopping, getting more free quotes will enable you to find a better price.

Elements that influence Chrysler Sebring insurance rates

It’s important that you understand some of the elements that help determine your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in better car insurance rates.

The following are a few of the “ingredients” car insurance companies consider when setting premiums.

  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Being married is a good thing – Having a wife or husband helps lower the price when buying car insurance. Having a significant other is viewed as being more mature and it’s proven that being married results in fewer claims.
  • The more you drive the more you pay – The higher the mileage driven each year the higher your rate. Most insurance companies price each vehicle’s coverage based on their usage. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Sebring can result in significantly higher rates.
  • Your age impacts your rates – More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Teen drivers have a tendency to be more careless when driving and because of this, their car insurance rates are much higher.
  • Policy add-ons can waste money – There are a lot of extra coverages that can waste your money if you aren’t careful. Coverages like rental car reimbursement, accident forgiveness and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them get rid of them and save.
  • Liability coverage is peace of mind – Liability insurance is the protection if ever a court rules you are at fault for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Save money with special equipment – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.

But I don’t know anything about car insurance

When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can help discover whether you might need professional guidance.

  • Do I need replacement cost coverage on my 1997 Chrysler Sebring?
  • Why am I required to buy liability insurance?
  • Why does it cost so much to insure a teen driver?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How do I buy GAP insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages 101

Knowing the specifics of insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Sebring.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for bills like funeral costs, ambulance fees, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage


This can cover injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, repair costs for stationary objects, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle and hitting a bird. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Compare but don’t skimp

In this article, we presented some good ideas how you can compare 1997 Chrysler Sebring insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and learned later that it was a big error on their part. The ultimate goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

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