2000 Chrysler Grand Voyager Car Insurance Rates – 7 Tips for Cheapest Quotes

Did budget coverage turn out to be an overpriced auto insurance policy? It’s quite common and many drivers have buyer’s remorse.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare car insurance companies to discover the definitive lowest cost out there.

Buy auto insurance online

Most larger insurance companies provide pricing from their websites. Obtaining pricing is quite easy as you just enter your coverage information into the form. When complete, the quote system collects information on your driving record and credit history and gives you a price quote based on many factors. Online price estimates makes it a lot easier to compare rates but having to visit a lot of sites and type in the same data can be a bit tiresome and repetitive. But it’s also necessary to do this if you are searching for a better rate.

There is an easier way to compare rates

The preferred way to find better auto insurance pricing uses one simple form to return rates from more than one company. The form is fast, requires much less work on your part, and makes price shopping online much easier to do. As soon as the form is sent, your coverage is rated and you can choose any one of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

To compare rates using this form now, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with deductibles and limits as close as possible to your current policy. Doing this guarantees you will get comparison quotes for similar coverage.

Lower rate quotes by receiving these seven discounts

Auto insurance companies do not advertise every possible discount very clearly, so we researched a few of the more common and the harder-to-find discounts that you may qualify for.

  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • Discount for Multiple Policies – If you combine your home and auto policies with one insurance company you could earn a discount of as much as 10 to 15 percent.
  • Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower rate if you buy a life policy as well.
  • Military Discounts – Having an actively deployed family member can result in better prices.
  • Seat Belts Save – Requiring all passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
  • College Student – who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.

One thing to note about discounts is that many deductions do not apply to the entire cost. Most cut individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. But all discounts should help lower the cost of coverage.

A list of insurance companies and their possible discounts are included below.

  • Esurance includes discounts for multi-car, online shopper, homeowner, anti-lock brakes, and Pac-12 alumni.
  • The Hartford may offer discounts for air bag, bundle, defensive driver, anti-theft, and driver training.
  • AAA has savings for good driver, AAA membership discount, multi-car, pay-in-full, multi-policy, and education and occupation.
  • GEICO discounts include anti-lock brakes, five-year accident-free, emergency military deployment, multi-policy, seat belt use, driver training, and federal employee.
  • State Farm may have discounts that include good driver, multiple autos, passive restraint, defensive driving training, accident-free, good student, and safe vehicle.

If you need lower rates, check with every prospective company which discounts they offer. Some discounts may not apply to policies in your state. To find insurance companies that can offer you the previously mentioned discounts, click here.

Your insurance coverage should be tailored to you

When buying proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out if you may require specific advice.

  • How do I buy GAP insurance?
  • Is there coverage for injuries to my pets?
  • How much underlying liability do I need for an umbrella policy?
  • Is extra glass coverage worth it?
  • Where can I find DUI or SR-22 insurance?
  • At what point should I drop full coverage?
  • When does my teenage driver need to be added to my policy?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to 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, simply complete this short form or you can also visit this page to select a carrier

Don’t believe everything you hear

Insurance coverage providers like GEICO, State Farm and Progressive endlessly run television, radio, and online ads. They all seem to advertise the message of big savings just by moving your coverage to them. How do they all sell you cheaper insurance coverage? Just pay attention to how they say it.

Most companies require specific criteria for the type of driver that is profitable for them. For example, a profitable customer might have to be a married male, has few claims, and drives newer vehicles. Any new insured who fits those characteristics may get the lowest premium rates and will probably save a lot of money.

Consumers who fall short of the “perfect” profile will be quoted a higher rate which results in business not being written. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save that much. This is how companies can lure you into getting a quote.

Because of this risk profiling, it is so important to compare free car insurance quotes often. It is impossible to predict which insurance coverage company will give you lower rates than your current company.

Car insurance coverages for a 2000 Chrysler Grand Voyager

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as dental work, surgery, prosthetic devices and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chrysler Grand Voyager.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages

This can cover damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, legal defense fees, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage

This coverage covers damage to your Grand Voyager resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

And the best car insurance company is…

You just read many ideas to save on 2000 Chrysler Grand Voyager insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with some of the smallest insurance companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Cheaper 2000 Chrysler Grand Voyager insurance is attainable from both online companies and with local insurance agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and most of the time these small, regional companies only sell coverage through independent agents.

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