Lower Your 2003 Chrysler Voyager Insurance Quotes

Trying to find better auto insurance rates for your Chrysler Voyager? Buying the most affordable auto insurance on the internet may be intimidating for beginners to comparing rates online. Since there are so many insurers available, how can consumers even start to compare every one to find the best available price?

You should make it a habit to take a look at other company’s rates every six months because insurance rates fluctuate regularly. Even if you think you had the best price on Voyager insurance two years ago you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because I’m going to teach you how to quote online to remove unneeded coverages and save money.

How to Compare Car Insurance Costs

The are a couple different ways of comparing price quotes from local car insurance companies. One of the best ways to compare 2003 Chrysler Voyager insurance prices involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

The single most time-saving way to find low rates is an all-inclusive rate comparison (click to open form in new window). This type of form prevents you from having to do multiple quote forms for each company. Completing one form gets you coverage quotes from car insurance companies with the best prices. It’s the fastest way to compare.

A less efficient way to compare prices requires a visit to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare Liberty Mutual, State Farm and Travelers. To find out each rate you need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least recommended method of getting rate comparisons is to spend your day driving to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you have a need for the professional guidance that only a license agent can provide. However, consumers can comparison shop your insurance online but still have the advice of a local agent and we’ll talk about that later.

Whichever method you choose, ensure you are comparing identical deductibles and coverage limits on every quote you get. If you enter different limits and deductibles on each one it will be next to impossible to decipher which rate is best. Slightly different insurance coverages can make a big difference in price. And when quoting car insurance, remember that comparing more company’s prices provides better odds of finding the best price.

Do you qualify for discounts?

Companies offering auto insurance don’t always advertise every available discount very well, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.

  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Drive Less and Save – Keeping the miles down on your Chrysler could qualify for better rates on cars that stay parked.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates on your policy on Voyager insurance.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Homeowners Savings – Owning a house can save you money because of the fact that having a home shows financial diligence.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Claim Free – Claim-free drivers pay much less when compared with accident-prone drivers.

Keep in mind that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Companies who might offer some of the above discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not apply in every state.

Your Chrysler Voyager insurance rate is a complex equation

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

The list below includes some of the items companies use to determine rates.

  • More miles equals more premium – Driving more miles each year the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Verify your insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your Voyager may be costing you.
  • Equipment add-ons that lower insurance rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Tickets mean higher rates – Even one ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Your location affects your rates – Living in a small town has it’s advantages when insuring your vehicles. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. Fewer drivers means fewer accidents.
  • A lapse in coverage is a bad thing – Driving with no insurance is illegal and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Better credit scores mean better rates – Your credit score is a huge factor in your rate calculation. Therefore, if your credit score is lower than you’d like, you could pay less to insure your 2003 Chrysler Voyager by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • Should I buy full coverage?
  • How much can I save by bundling my policies?
  • Am I covered when using my vehicle for business?
  • Do I pay less if my vehicle is kept in my garage?
  • Are my friends covered when driving my car?
  • How do I insure my teen driver?
  • What can I do if my company won’t pay a claim?
  • What is covered by UM/UIM coverage?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Don’t listen to company ads

Companies like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the ads have a common claim that you’ll save big if you switch your policy. But how can every company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the driver they prefer to insure. For instance, a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has a short commute. Any new insured who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who fall outside these standards will have to pay higher rates which usually ends up with the customer not buying. The ad wording is “people who switch” not “people who quote” save money. This is how insurance companies can confidently claim big savings. Because of the profiling, you should get a wide range of price quotes. It’s just too difficult to predict which company will fit your personal profile best.

Coverages available on your car insurance policy

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments – Med pay and PIP coverage pay for expenses for nursing services, hospital visits and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This pays for damage to your Voyager caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2003 Chrysler Voyager.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car 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 other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like funeral expenses, pain and suffering, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

In the end, you save

People who switch companies do it for a number of reasons such as not issuing a premium refund, delays in responding to claim requests, poor customer service and extreme rates for teen drivers. Whatever your reason, choosing a new insurance company can be pretty painless.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the best price.

Lower-priced 2003 Chrysler Voyager insurance can be bought on the web in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Helpful resources