2009 Chrysler Town and Country Insurance Rates – 10 Tips to Save

Want lower car insurance rates for your Chrysler Town and Country? Have you fallen victim to high-priced car insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Since consumers have many companies to choose from, it is very difficult to choose the lowest cost insurance company.

It’s a good idea to compare rates periodically due to the fact that insurance rates change frequently. If you had the best price for Town and Country coverage on your last policy you can probably find a lower rate today. Starting now, ignore everything you know about car insurance because you’re about to learn the tricks you need to know to properly buy coverages and cut your premium.

Choosing the best insurance company for you is quite easy. If you have insurance now or need new coverage, you can use these tips to get lower rates and still get good coverage. Drivers only need to know the proper way to shop over the internet.

Insurance Comparison Rates

Reducing your 2009 Chrysler Town and Country insurance rates can be quick and easy. The only thing you need to do is spend a little time comparing price quotes from different insurance companies. This can be done using a couple different methods.

1. The first (and easiest) way to get quotes would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. A single form gets you coverage quotes from insurance companies with the best prices.
2. A less efficient way to compare rate quotes requires visiting the website of each company to complete their respective quote request forms. For examples sake, we’ll assume you want to compare Nationwide, State Farm and Progressive. To get each rate you have to visit each site to input your insurance information, which is why most consumers use the first method.

   For a handy list of car insurance company links in your area, click here.

However you get your quotes, make absolute certain that you use the exact same coverages with each company. If you enter different limits and deductibles on each one then you won’t be able to make an equal comparison.

Are you getting all your discounts?

Companies offering auto insurance don’t list all their discounts in an easy-to-find place, so we researched some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up if you are claim-free for a particular time prior to the accident.
• Safe Drivers – Safe drivers can pay as much as 50% less for Town and Country coverage than drivers with accident claims.
• Low Mileage Discounts – Keeping the miles down on your Chrysler could be rewarded with better rates on cars that stay parked.
• Defensive Driver – Successfully completing a course in driver safety can save you 5% or more depending on where you live.
• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
• Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
• College Student – Kids in college who live away from home and don’t have a car can be insured at a reduced rate.
• Service Members Pay Less – Having a family member in the military could mean lower rates.
• Memberships – Affiliation with a civic or occupational organization could qualify you for a break on your policy for Town and Country coverage.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

To see a list of companies with discount auto insurance rates, follow this link.

When might I need an agent?

When it comes to choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

• What vehicles should carry emergency assistance coverage?
• Do I have coverage for damage caused while driving under the influence?
• Can I rent a car in Mexico?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered if I hit my neighbor’s mailbox?
• Is a new car covered when I drive it off the dealer lot?
• Do I need medical payments coverage since I have good health insurance?
• Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, damage from a tornado or hurricane and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chrysler Town and Country.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like emergency aid, legal defense fees, structural damage and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This will pay to fix damage to your Town and Country from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for things like dental work, chiropractic care, funeral costs and prosthetic devices. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible