Cheaper 2000 Chrysler Voyager Car Insurance Rates

Finding affordable insurance coverage can seem to be difficult for beginners to comparison shopping online. There are so many options that it can be a ton of work to locate the lowest price.

It’s smart to compare rates on a regular basis since rates change quite often. Just because you had the best deal for Voyager coverage last year you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so I’m going to show you some guaranteed methods to slash your insurance coverage rates.

How to Compare Insurance Coverage Rates

All major insurance coverage companies such as Progressive, Allstate and GEICO allow you to get pricing online. This process is pretty easy as you just enter your coverage information into the quote form. When the form is submitted, the company’s rating system pulls information on your driving record and credit history and returns a price quote determined by many factors.

This streamlines rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to find the best price possible.

A more efficient way to find lower prices is to use a quote form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online shopping much more efficient. After your information is entered, your coverage is rated and you are able to buy any or none of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To quickly find out what other companies charge, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend that you enter the insurance coverages exactly as shown on your declarations page. Doing this assures you will be getting an apples-to-apples comparison based on identical coverages.

Discounts can save BIG

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be specifically requested before you get the savings.

  • One Accident Forgiven – Certain companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums for Voyager coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Voyager coverage than less cautious drivers.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Club Memberships – Affiliation with a qualifying organization could trigger savings when buying car insurance for Voyager coverage.

It’s important to understand that most discounts do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will bring down the amount you have to pay.

Companies that may offer some of the above discounts are:

Before buying, ask each insurance company how you can save money. Discounts might not apply in your area.

Will just any policy work for me?

When choosing the best auto insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

  • Can my teen drive my company car?
  • What happens if I owe more than my 2000 Chrysler Voyager is worth?
  • How can I force my company to pay a claim?
  • Am I covered by my spouse’s policy after a separation?
  • Does coverage extend to a rental car in a foreign country?
  • If my 2000 Chrysler Voyager is totaled, can I afford another vehicle?
  • Why does it cost so much to insure a teen driver?
  • Can I afford low physical damage deductibles?
  • Is business property covered if stolen from my car?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

These factors can influence Chrysler Voyager insurance rates

It’s important that you understand the factors that come into play when calculating your insurance coverage rates. Understanding what determines base rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • Special features that cut premiums – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Do you need the policy add-ons? – There are a lot of extra coverages that you can buy on your insurance coverage policy. Coverages like roadside assistance, towing coverage and term life insurance may be costing you every month. These coverages may sound good at first, but if they’re wasting money get rid of them and save.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Choose a safe vehicle and save – Vehicles with good safety scores get lower rates. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Chrysler Voyager is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Rate your vehicle for proper use – The higher the mileage driven in a year the higher your rate. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage declarations sheet properly reflects the correct usage for each vehicle. If your policy improperly rates your Voyager may be costing you.
  • You might want pay the small claims yourself – Auto insurance companies award cheaper rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • No coverage gaps is important – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance expire. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.

Car insurance coverages 101

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, vandalism and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like funeral costs, EMT expenses and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability coverage – This can cover damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. Liability 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 might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like loss of income, medical services, funeral expenses, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

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 damage to your Chrysler Voyager.

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

Collision – This covers damage to your Voyager caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, crashing into a building, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

In the end, you save

You just read some good ideas how you can lower your 2000 Chrysler Voyager insurance rates. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies.

Low-cost insurance is possible both online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone dropped full coverage and learned later they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find for the lowest price.

Much more information about insurance coverage is located on the following sites: