Chrysler LHS Owners Uncover the Best Auto Insurance Rates

Finding low-cost insurance for your Chrysler LHS can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates for a new or used Chrysler and find the lowest price from local insurance agents and online providers.

It’s a good habit to shop coverage around once or twice a year since insurance rates are usually higher with each renewal. Just because you found the best rates on LHS coverage last year there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because we’re going to show you the easiest way to save money, get proper coverage and the best rates.

Buying more affordable coverage is not that difficult. If you have a policy now or need new coverage, you can use these techniques to find the best rates and still get good coverage. Drivers just need to learn the best way to find the lowest price on the web.

Factors determining your Chrysler LHS insurance premium

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in big savings.

Where you live can impact rates – Choosing to live in a small town can save you money when insuring your vehicles. Lower population means a lower chance of having an accident. Drivers in populated areas regularly have traffic congestion and a longer drive to work. Higher commute times can result in more accidents.
Please use or commuting – The more you drive in a year the higher your rates will be. Most companies apply a rate based on their usage. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Improper usage on your LHS can cost quite a bit. Make sure your auto insurance policy shows the correct driver usage, because it can save money.
Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Chrysler. A few examples of covered claims are a windshield shattered by a rock, vandalism, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you have to pay, the lower your rates will be on LHS coverage.
Protect your assets with liability insurance – Your policy’s liability coverage is the protection if you are found liable for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. They both cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
Keep rates low by being claim-free – Car insurance companies generally give better rates to insureds who are claim-free. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is designed for major claims that would cause financial hardship.
Better credit means lower rates – Having a bad credit history is a big factor in determining what you pay for auto insurance. If your credit rating is not that good, you could pay less to insure your Chrysler LHS by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
Being married is a good thing – Being married can actually save you money when buying auto insurance. Having a significant other usually means you are more mature than a single person and it’s proven that married drivers get in fewer accidents.

Compare the Market for Auto Insurance

Most companies such as State Farm and Allstate quote insurance quotes on the web. This process is quite simple as you just enter your required coverages as requested by the quote form. Upon sending the form, their rating system automatically retrieves your driving and credit reports and returns a price determined by many factors.

This helps simplify price comparisons, but the process of having to visit several different sites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to find the lowest auto insurance rates.

Quote rates the easy way

A more efficient way to find cheaper rates uses one simple form to return rates from many companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable. As soon as you send your information, your coverage is rated and you are able to buy any or none of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and may save quite a bit of money.

To compare rates now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in the coverage information exactly as shown on your declarations page. Doing this assures you will have comparison quotes for the exact same coverage.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Some trigger automatically at quote time, but lesser-known reductions have to be asked about before they will apply. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Driver Safety – Taking a defensive driving course could cut 5% off your bill depending on where you live.
Accident Forgiveness – Some insurance companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
Discount for Good Grades – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.

It’s important to note that most credits do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

To see a list of providers who offer auto insurance discounts, click here.

What about my local agents?

A small number of people prefer to visit with an insurance agent and that is just fine! Good agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is you may find lower rates and still choose a local agent. Buying from local agencies is important especially if you live in a smaller city or town.

To help locate an agent, after submitting this short form, your information gets sent to insurance agents who will return price quotes to get your business. You don’t have to even leave your home due to the fact that quote results will go to your email. How cool is that?!

Pick the best car insurance agent for you

When looking for a reliable agent, there are two different types of agents that differ in how they can insure your vehicles. agents are classified as either captive or independent. Both types can insure your vehicles, but it’s important to know the differences because it can influence your agent selection.

Independent Agencies or Brokers

These agents are not employed by any specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. When searching for an agent, we recommend you contact at least one independent agent for the best price selection.Many can place coverage with smaller companies who may have lower rates.

Captive Agents

Captive agencies are contracted to one company such as Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agencies receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives mainly due to the brand legacy and strong financial ratings.

For a complete listing of auto insurance agents, click here.

Selecting an insurance agency needs to be determined by more than just a cheap price. Here are some questions to ask:

Do they make recommendations based only on price?
If they are an independent agency, which companies do they recommend?
Do the coverages you’re quoting properly cover your vehicle?
Is vehicle mileage a factor when determining depreciation for repairs?
Do they receive special compensation for putting your coverage with one company over another?
If your car is in the repair shop, do you have coverage for a rental car?
How often do they review policy coverages?
Can glass repairs be made at your home?

After receiving answers to your satisfaction to all your questions in addition to an acceptable price estimate, most likely you have located an auto insurance agent that will properly service your auto insurance policy.

When might I need an agent?

When choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you could use an agent’s help.

Are all vehicle passengers covered by medical payments coverage?
Am I covered when using my vehicle for business?
Am I getting all the discounts available?
When would I need rental car insurance?
When should my teen driver be added to my policy?
Can I get a multi-policy discount for packaging my home and auto coverage?
Why am I required to buy high-risk coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Best coverage at the best price

In this article, we covered some good ideas how to compare Chrysler LHS insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest rates come from an unexpected company.

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, lack of trust in their agent or even extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.