2002 Chrysler Town and Country Car Insurance Rates

Trying to find lower auto insurance rates for your Chrysler Town and Country? Are you a victim of high-priced auto insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Big companies like GEICO, Progressive and Allstate promote their brand names with ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

You need to do rate comparisons yearly because rates change regularly. Even if you think you had the best rates on Town and Country insurance a few years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Finding affordable coverage is not that difficult. Nevertheless, vehicle owners need to have an understanding of the methods companies use to price insurance differently.

Discounts are available to cut your rates

Auto insurance companies do not list all their discounts very clearly, so we break down some of the best known and also the lesser-known car insurance savings.

  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Town and Country insurance with a few car insurance companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Senior Discount – Older drivers may receive better car insurance rates on Town and Country insurance.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Town and Country insurance than less cautious drivers.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of providers offering car insurance discounts, click here to view.

Pieces of the Chrysler Town and Country insurance rate puzzle

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get big savings.

Listed below are some of the factors that factor into your rates.

  • High crash test scores lower rates – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Chrysler Town and Country is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Lower miles equals lower premium – The more miles you rack up on your Chrysler every year the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance policy shows how each vehicle is driven, because it can save money. If your policy improperly rates your Town and Country may be costing you.
  • Traffic citations inflate rates – Just one citation can increase rates twenty percent or more. Good drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • High deductibles save money – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chrysler. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to spend before your auto insurance pays a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Town and Country insurance.
  • More people means more accidents – Being located in a small town is a positive aspect when it comes to auto insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have to deal with more traffic problems and much longer commute distances. More time on the road means higher likelihood of an accident.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Protect yourself with liability coverage – Liability insurance will protect you if ever you are found to be at fault for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Sex matters – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes have accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as reckless driving.

Everyone needs different coverages

When buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Are rental cars covered under my policy?
  • What is roadside assistance coverage?
  • What is UM/UIM insurance?
  • Am I insured when driving a different vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Why do I need rental car insurance?
  • Where can I find DUI or SR-22 insurance?
  • What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability coverages

Liability coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not 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. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like attorney fees, emergency aid, legal defense fees, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

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 insurance covers things like vandalism, hitting a deer, hail damage, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chrysler Town and Country.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

This covers damage to your Town and Country resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, prosthetic devices, chiropractic care, rehabilitation expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to 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

Smart shoppers get results

You just read quite a bit of information on how to save on 2002 Chrysler Town and Country insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from a small local company. These companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

Low-cost insurance is available online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

More detailed insurance information is located by following these links: