Compare 2000 Chrysler Concorde Insurance Rates

Sick and tired of scraping nickels together to pay high insurance rates every month? You are in the same boat as the majority of other vehicle owners. Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates to find the best rates possible.

Insurance discounts help cut rates

Insurance is expensive, but there may be some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but some need to be specially asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Own a Home – Owning your own home or condo can save a few bucks because it is proof that your finances are in order.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Concorde coverage with a few insurance companies.
  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems could see savings of more than 20%.
  • New Car Discount – Buying a new car instead of a used car is cheaper because new model year vehicles keep occupants safer.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
  • Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Concorde coverage than their less cautious counterparts.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, nobody gets a free ride.

A list of insurance companies and some of the discounts include:

  • Progressive includes discounts for multi-policy, good student, continuous coverage, homeowner, online quote discount, and online signing.
  • AAA offers premium reductions for education and occupation, AAA membership discount, multi-car, multi-policy, anti-theft, and good student.
  • Farmers Insurance may offer discounts for bundle discounts, electronic funds transfer, mature driver, teen driver, distant student, and homeowner.
  • GEICO offers discounts for driver training, anti-theft, anti-lock brakes, defensive driver, and military active duty.
  • Esurance has savings for DriveSense, anti-lock brakes, good student, emergency road assistance, Pac-12 alumni, and safety device.
  • SAFECO may have discounts that include anti-theft, accident prevention training, anti-lock brakes, bundle discounts, teen safety rewards, and teen safe driver.
  • State Farm discounts include multiple policy, safe vehicle, student away at school, accident-free, driver’s education, Steer Clear safe driver discount, and passive restraint.

Before buying, ask every company to apply every possible discount. Some discounts may not be available in your state. To see insurance companies who offer discounts, click here.

How much is insurance coverage?

Getting cheaper 2000 Chrysler Concorde insurance coverage pricing is actually easier than you may think. All that’s required is to invest a little time comparing price quotes from different insurance companies. Insurance prices can be quoted in a couple of different ways.

  • The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company you want a rate for. Filling out one form gets rate comparisons from insurance coverage companies with the best prices.
  • A less efficient way to find more affordable insurance requires a visit to each individual company website and fill out a new quote form. For examples sake, let’s say you need rates from State Farm, 21st Century and Farmers. To get each rate you have to spend time on each company’s site and repeatedly type in your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  • The last method to find and compare rates is making phone calls or going to and from local insurance agencies. Doing it all online makes this process obsolete unless you’re the type of person who wants the professional assistance of a local agency. It is possible with some companies comparison shop online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage limits and deductibles on every quote you get. If you compare unequal deductibles or liability limits it’s impossible to determine which company has the best rates.

Which is the best insurance coverage?

When choosing coverage, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • Am I covered if hit by an uninsured driver?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will my rates increase for filing one claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is the minimum liability in my state?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chrysler Concorde.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, hitting a parking meter, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, chiropractic care, doctor visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability insurance – This coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, pain and suffering, legal defense fees and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, fire damage and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Never pay more for less

Budget-conscious 2000 Chrysler Concorde insurance can be sourced from both online companies as well as from insurance agents, and you should compare rates from both to have the best rate selection. A few companies do not offer internet price quotes and most of the time these smaller providers prefer to sell through local independent agents.

When searching for affordable insurance coverage quotes, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone dropped uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

In this article, we covered quite a bit of information on how to get a better price on 2000 Chrysler Concorde insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the lowest rates are with some of the smallest insurance companies. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

Additional auto insurance information can be read at these links: