Chrysler Cirrus Owners Find How to Cut Their Car Insurance Rates

Tired of being strong-armed to insure your Chrysler every month? You are in the same boat as many other drivers. Insurance companies such as GEICO, 21st Century and Progressive all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

What determines your Chrysler Cirrus insurance premium

An important part of buying insurance is that you know some of the elements that play a part in calculating car insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower car insurance prices.

Never go without insurance – Having an insurance coverage lapse is a sure-fire way to increase your car insurance rates. Not only will you pay more, failure to provide proof of insurance might get you a revoked license or a big fine.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
Policy add-ons can waste money – There are a ton of extra bells and whistles that you can buy when buying car insurance. Things like rental car reimbursement, towing coverage and membership fees are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.
Do you know your deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Chrysler from damage. Examples of covered claims could be collision with another vehicle, collision with an animal, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you’re willing to pay, the less your company will charge you for insurance on Cirrus insurance.
Consolidate policies to earn discounts – Some insurers provide better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.

Pay less by taking advantage of discounts

Car insurance companies don’t always publicize every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
Own a Home – Simply owning a home may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Cirrus insurance than drivers with accident claims.
Life Insurance – Larger companies have a break if you buy life insurance.
Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

Won’t my local insurance agent miss me?

Some consumers just want to buy from a licensed agent and that is just fine! Insurance agents can answer important questions and give you peace of mind. The best thing about comparing rates online is you may find the lowest rates but also keep your business local.

After filling out this simple form, your information is sent to local insurance agents who will battle for your coverage. There is no need to leave your house since price quotes are sent directly to your email. Now that’s easy! insurance banner

Selecting a company requires more thought than just a low price. Ask your prospective agent these questions:

Are there any discounts that you might be missing?
How many years of experience in personal lines insurance coverages do they have?
Does the agency have a good rating with the Better Business Bureau?
If your car is in the repair shop, do you have coverage for a rental car?
How long has their agency been in business?
Is their price quote a firm figure or are their hidden costs?

Two different types of auto insurance agents

When finding an insurance agent, you must know there are a couple different agency structures to choose from. Insurance agencies are categorized either captive or independent. Both types can do a good job, but it’s good to learn the difference between them since it may influence the selection process.

Captive Insurance Agents

These agents have only one company to place business with and examples are State Farm, AAA, Farmers Insurance or Allstate. Captives cannot give you multiple price quotes so they have to upsell other benefits. Captive agencies are well schooled on their products and sales techniques which helps them compete with independent agents.

Independent Insurance Agents

These agents do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.

When shopping rates, it’s recommended you include price quotes from at a minimum one independent agency for maximum quote selection.

To view a full list of agencies, visit this page.

Upon receiving reasonable responses to your questions and locked in a price quote, chances are good that you have found an auto insurance agent that can service your policy.

Compare but don’t skimp

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage and learned later that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Lower-priced Chrysler Cirrus insurance can be found from both online companies and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.