Cheaper 2002 Chrysler Voyager Insurance Rates

Want better car insurance rates? Drivers have many options when trying to find affordable Chrysler Voyager insurance. You can either waste hours calling around trying to get quotes or utilize the internet to get rate quotes. There are more efficient ways to find car insurance online and you need to know the proper way to get price quotes for a Chrysler and obtain the cheapest rates from both online companies and local agents.

Compare Car Insurance Costs

Cutting your car insurance rates is not rocket science. The only thing you need to do is invest a little time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate quote forms for every car insurance company. Filling out one form will return price quotes from all major companies. It’s definitely the quickest method.
  2. A harder way to get quotes online is spending the time to visit each company’s website to complete their respective quote request forms. For example, we’ll assume you want to compare Liberty Mutual, Farmers and GMAC. You would have to visit each site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The least efficient method to get comparison rates is to spend your day driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you require the professional guidance of a licensed agent. You can, however, comparison shop online but buy from a local insurance agent and we’ll talk about that later.

However you get your quotes, make absolute certain that you use identical coverages and limits on every quote. If you enter different deductibles then you won’t be able to decipher which rate is best.

These discounts can lower your rates

Companies offering auto insurance don’t list every discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known car insurance savings. If they aren’t giving you every credit you deserve, you are throwing money away.

  • No Accidents – Claim-free drivers can save substantially compared to drivers who are more careless.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Voyager insurance.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Safety Course Discount – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

Keep in mind that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

For a list of companies with the best car insurance discounts, click here to view.

Different people need different coverages

When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when delivering products for my home-based business?
  • Is rental equipment covered for theft or damage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I buy additional glass protection?
  • If my 2002 Chrysler Voyager is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Why your Chrysler Voyager might be costing you more

Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with lower auto insurance prices.

Shown below are some of the items companies use to determine rates.

  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Chrysler Voyager scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Don’t sacrifice liability coverage – The liability section of your policy will protect you when a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • High deductibles save money – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Chrysler. A few examples of covered claims are colliding with a building, damage from fire, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more money you have to pay, the lower your rates will be on Voyager insurance.
  • You might want pay the small claims yourself – Companies award cheaper rates to policyholders who are claim-free. If you frequently file small claims, you can definitely plan on higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.

Specific coverage details

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

Collision coverage covers damage to your Voyager resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like structural damage, bail bonds, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for rehabilitation expenses, pain medications, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass, theft and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2002 Chrysler Voyager.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Smart shoppers get results

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the best price while still protecting your assets.

Low-cost 2002 Chrysler Voyager insurance is available on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we covered a lot of techniques to get a better price on insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with the least-expected company.

Additional information