2002 Chrysler Concorde Car Insurance Rates – 7 Tips for Best Quotes

Finding inexpensive insurance might seem complicated at first if you have never taken advantage of quote comparisons online. But don’t let that discourage you because there is an easy way to compare rates.

It’s a good idea to compare prices every six months because rates change quite often. Even if you think you had the best deal for Concorde insurance a few years ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.

Cheap insurance coverage rate quotes online

When shopping for cheaper insurance quotes, there are a couple of ways to compare prices from many available insurance coverage companies in your state. The fastest way to find the cheapest 2002 Chrysler Concorde insurance rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

The single most time-saving way to get the best comparison quotes is a comparison rater form click here to open form in new window. This quick form keeps you from doing separate quotes for every prospective company. One form submission gets prices estimates from all major companies. It’s the fastest way to compare.

A less efficient way to find lower rates consists of going to the website of each company and repeat the quote process again and again. For sake of this example, let’s assume you want to compare prices for Allstate, Liberty Mutual and Travelers. In order to compare rates, you need to go to every website to enter the same coverage data repeatedly, which can get rather old.

For a list of links to insurance companies in your area, click here.

The most time-consuming method to price shop rates is calling or driving to insurance agents’ offices. Shopping for insurance coverage online makes this process obsolete unless you want the trained advice of a licensed agent. Drivers can compare the best prices online but still have the advice of a local agent.

It doesn’t matter which method you choose, just try to keep apples-to-apples quote data with each company. If you compare different limits and deductibles on each one it will be next to impossible to determine the best price for your Chrysler Concorde. Just slight variations in coverages could throw off the whole comparison. And when quoting insurance coverage, remember that comparing a wide range of rates provides better odds of finding the best rates.

Earn discounts to get lower-cost insurance rates

Auto insurance companies do not advertise every possible discount very clearly, so the list below details a few of the more common and the harder-to-find credits that you can use to lower your rates. If they aren’t giving you every credit available, you could be saving more on your insurance.

  • Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts compared to insureds who have frequent claims or accidents.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Early Signing – Some companies provide a discount for switching to them prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like Progressive, Allstate, and GEICO will turn a blind eye to one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Defensive Driver Discounts – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save over 10 percent off each policy depending on the company.
  • Responsible Driver Discounts – Drivers who avoid accidents may save up to 50% more for Concorde insurance as compared to drivers with claims.

Remember that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, insurance companies aren’t that generous.

Popular insurance companies and some of the discounts are included below.

  • State Farm offers premium reductions for Steer Clear safe driver discount, student away at school, safe vehicle, multiple autos, good student, and accident-free.
  • Farmers Insurance may include discounts for youthful driver, business and professional, multi-car, bundle discounts, early shopping, distant student, and pay in full.
  • Progressive offers discounts for online signing, online quote discount, good student, multi-vehicle, and homeowner.
  • GEICO includes discounts for anti-theft, seat belt use, defensive driver, multi-policy, air bags, and emergency military deployment.
  • Auto-Owners Insurance offers discounts including mature driver, air bags, safe driver, teen driver, anti-theft, good student, and multi-policy.
  • The Hartford may offer discounts for driver training, anti-theft, air bag, vehicle fuel type, defensive driver, and good student.
  • Farm Bureau discounts include safe driver, youthful driver, multi-policy, good student, multi-vehicle, 55 and retired, and renewal discount.
  • USAA may have discounts that include defensive driver, family discount, multi-vehicle, driver training, annual mileage, multi-policy, and military installation.

Before buying, ask each company to apply every possible discount. All car insurance discounts may not be available everywhere. To see companies offering insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • Who is covered by my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I drive in a foreign country?
  • If my pet gets injured in an accident are they covered?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage basics

Having a good grasp of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, ambulance fees, chiropractic care, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Concorde resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Chrysler Concorde.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverage

This provides protection from injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like emergency aid, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage on a shoestring budget

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

We covered some good ideas how you can shop for 2002 Chrysler Concorde insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest prices come from an unexpected company.

The cheapest 2002 Chrysler Concorde insurance is available online and with local insurance agents, and you need to price shop both to have the best rate selection. A few companies don’t offer rates over the internet and many times these smaller providers sell through independent agencies.

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