Searching for cheaper auto insurance rates for your Chrysler Cirrus? Nobody enjoys paying for auto insurance, particularly when they are paying too much. Online insurance companies like State Farm, GEICO and Farmers Insurance increase brand awareness with ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.
The most recommended method to compare policy rates is to take advantage of the fact most insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide information such as if a SR-22 is needed, how much school you completed, if you are currently licensed, and level of coverage desired. That rating data is then submitted to many highly-rated insurers and they respond with quotes immediately.
When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs might need professional guidance.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chrysler Cirrus.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses like hospital visits, ambulance fees, dental work, prosthetic devices and nursing services. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as theft, vandalism, hail damage and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – Collision coverage will pay to fix damage to your Cirrus resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as hitting a mailbox, damaging your car on a curb and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Coverage for liability – Liability insurance will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability can pay for things like medical expenses, repair bills for other people’s vehicles, structural damage and loss of income. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.