Best Ways to Pay Less When Comparing Chrysler Pacifica Insurance

Are you a victim of high-priced car insurance? Trust us, you’re not the only one. Companies like Allstate and Progressive continually hit you with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

If you are insured now or need a new policy, you can use this information to get lower rates while maximizing coverage. Buying car insurance is quite easy. Consumers only need to know the most efficient way to get comparison quotes on the web.

Verify you’re applying every discount

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that you may not know about. Certain reductions will be credited when you get a quote, but some need to be requested specifically prior to getting the savings.

• No Claims – Drivers who don’t have accidents have much lower rates when compared with insureds who have frequent claims or accidents.
• Homeowners Savings – Just being a homeowner may earn you a small savings because it is proof that your finances are in order.
• Multiple Policy Discount – If you can combine your home and auto policy with the same company you will save at least 10% off all policies.
• Anti-lock Brake Discount – Cars with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
• Driver’s Education for Students – Have your child successfully complete driver’s ed class if offered at their school.

A quick disclaimer, most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

Companies and a partial list of their discounts are outlined below.

• State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, accident-free, student away at school, anti-theft, and good student.
• Liberty Mutual offers discounts for newly married, multi-car, new graduate, hybrid vehicle, preferred payment discount, teen driver discount, and multi-policy.
• American Family may have discounts that include bundled insurance, defensive driver, mySafetyValet, Steer into Savings, and air bags.
• Progressive discounts include good student, multi-policy, online quote discount, online signing, continuous coverage, and multi-vehicle.
• Farmers Insurance has savings for electronic funds transfer, distant student, switch companies, alternative fuel, homeowner, youthful driver, and mature driver.
• Auto-Owners Insurance offers discounts including company car, teen driver, student away at school, safe driver, mature driver, good student, and anti-lock brakes.
• SAFECO may include discounts for multi-car, teen safe driver, safe driver, anti-lock brakes, and bundle discounts.

It’s a good idea to ask every insurance company which discounts you may be entitled to. Some discounts might not be offered on policies in your area. To choose providers that provide some of the discounts listed above, click here to view.

Cutting your car insurance rates is surprisingly easy. The only thing you need to do is take a couple of minutes to compare provided by online insurance companies. This is very easy and can be done in several different ways.

The first (and easiest) way to get quotes is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for a different quote for each company you want a rate for. In just a few minutes this one form gets you price quotes from multiple companies.

A more time consuming way to obtain and compare quotes online requires you to visit the website for each individual company and get a separate price quote. For examples sake, we’ll pretend you want to compare Progressive, Farmers and State Farm. You would have to spend time on each company’s site and enter your policy data, which is why first method is reommended.

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

The least efficient way to shop rates is calling or driving to and from local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you have a need for the professional abilities that you can only get from talking to an agent. You can, however, price shop your coverage online but have your policy serviced through an agent.

Whichever way you choose to compare rates, make sure you are using exactly the same coverages with every price quote. If your comparisons have different limits and deductibles on each one it’s not possible to make a fair comparison for your Chrysler Pacifica.

Final thoughts

Lower-priced car insurance can be bought on the web in addition to local insurance agencies, so you need to with both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and these regional carriers work with local independent agencies.

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced collision coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.