1997 Chrysler Cirrus Insurance Rates

Trying to come up with a payment for overpriced insurance can empty your checking account and put the squeeze on your family’s finances. Price shopping at each renewal is a fast and free way to reduce premiums and put more money in your pocket.

Numerous insurers battle for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute best price available.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, car owners must know how insurance companies market insurance on the web and take advantage of how the system works.

First Step: Get free insurance coverage quotes

Shopping for lower insurance coverage rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste hours talking to agents in your area, or you could use the web to get prices fast.

Many popular insurance companies participate in a marketplace where prospective buyers submit their information once, and every company can give them a price for coverage. This eliminates the need for quotation requests for each company. To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is that you can’t choose the insurers to get pricing from. If you prefer to choose from a list of companies for rate comparison, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to keep identical coverage limits and deductibles on every quote. If each company quotes mixed coverages it will be very difficult to determine which company has the best rates. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. And when quoting insurance coverage, remember that comparing a large number of companies helps improve the odds of finding the best rates.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine if you might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Is business equipment covered while in my vehicle?
  • Do I need roadside assistance coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • I have a DUI can I still get coverage?
  • Can I afford to buy a different vehicle if my 1997 Chrysler Cirrus is totaled?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your auto insurance policy

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average auto insurance policy.

Collision coverage protection

This coverage covers damage to your Cirrus caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

UM/UIM Coverage

This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Chrysler Cirrus.

Since 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 important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

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

Comprehensive insurance covers claims such as a broken windshield, falling objects and hail damage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for EMT expenses, prosthetic devices and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

This protects you from injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as bail bonds, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.