Lower Your 2001 Chrysler Concorde Insurance Quotes

Looking for cheaper insurance rates for your Chrysler Concorde? If online insurance comparisons are new to you, you can easily be overwhelmed thanks to the vast number insurance agents and companies all claiming to save you money.

It is always a good idea to do price comparisons once or twice a year because insurance prices are rarely the same from one policy term to another. Just because you had the best deal for Concorde coverage at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about insurance because we’re going to show you how to quote online to properly buy coverages and cut your premium.

Shop auto insurance online

There are a lot of ways to compare auto insurance prices but some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

Most car insurance companies take part in a program that allows shoppers to submit one quote, and at least one company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To get comparison pricing now click to open in new window.

One minor caviat to using this type of form is you can’t choose the companies you will receive quotes from. If you wish to select from a list of companies to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

Whichever way you use, try to keep equivalent quote data for each price quote. If your comparisons have different coverage information then you won’t be able to make a fair rate comparison. Just slight variations in coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing a large number of companies helps increase your odds of locating a lower rate than you’re paying now.

Insurance policy discounts

Auto insurance companies don’t always publicize all disounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find savings tricks you should be using when you buy auto insurance online.

• Auto/Home Discount – When you have multiple policies with the same company you may save nearly 15% which can help you find low cost auto insurance.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
• Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
• Onboard Data Collection – Insureds that choose to allow driving data collection to scrutinize driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
• Accident Waiver – This one isn’t a discount, but some insurance companies will let one accident slide before your rates go up if you have no claims prior to being involved in the accident.
• Safety Course Discount – Taking a course that instructs on driving safety is a good idea and can lower rates if your company offers it.
• Drive Less and Save – Keeping the miles down on your Chrysler could be rewarded with lower prices on the low mileage vehicles.
• Resident Student – Older children who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you could get a free insurance policy, insurance companies wouldn’t stay in business. But any discount will lower your premiums.

To find insurance companies that have a full spectrum of discounts, click here.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might help in determining if your situation may require specific advice.

• Why am I required to get a high-risk car insurance policy?
• How does medical payments coverage work?
• Can my teen drive my company car?
• What is high-risk coverage and where do I buy it?
• What should my uninsured motorist coverage limits be in my state?
• Why is insurance for a teen driver so high?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages 101

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like X-ray expenses, dental work, surgery, hospital visits and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, fire damage, rock chips in glass, vandalism and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This coverage will pay to fix damage to your Concorde caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, hitting a parking meter, sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability auto insurance – This coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. Liability 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. You commonly see values of 100/300/100 that means you have 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.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.