Chrysler LHS Insurance – 5 Ways to Save Money

Consumers have options when looking for the best price on Chrysler LHS insurance. You can either spend your time calling around getting price quotes or leverage the internet to find the lowest rates.

There is a better way to compare auto insurance rates so you’re going to learn the proper way to quote coverages for your Chrysler and get the lowest possible price from local insurance agents and online providers.

You should take the time to check auto insurance prices periodically because insurance rates trend upward over time. Just because you found the lowest price for LHS insurance six months ago the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the web, but I’m going to show you the best ways to buy auto insurance cheaper.

How to Compare Auto Insurance Quotes

Most companies like GEICO, State Farm and Progressive provide prices online. Getting online quotes is quite easy as you just type in as detailed in the form. Upon sending the form, the system will order information on your driving record and credit history and gives you a price quote determined by many factors.

Online price quotes streamlines rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms can get tiresome after awhile. Unfortunately, it is important to perform this step in order to get the lowest price.

The easiest way to compare rates requires only one form to return rates from multiple companies. It saves time, eliminates repetitive work, and makes online price comparison much more enjoyable. As soon as the form is sent, it is quoted with multiple companies and you can pick any one of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you’ll know if lower rates are available.

To quickly find out if lower rates are available, click here and fill out the form. If you have a policy now, it’s recommended you copy deductibles and limits exactly as they are listed on your policy. This makes sure you are getting a fair comparison for the exact same coverage.

Don’t overlook these 5 discounts

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked about before you will receive the discount. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Sign Online – A few companies give back up to $50 for buying your policy digitally online.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
  • Passive Restraints – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.

Consumers should know that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut your premiums.

For a list of companies who offer auto insurance discounts, click here to view.Auto insurance in

Is my situation unique?

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help highlight if you may require specific advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • When should my teen driver be added to my policy?
  • Is business equipment covered while in my vehicle?
  • Are split liability limits better than a combined single limit?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about auto insurance coverages

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills like rehabilitation expenses, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your LHS resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chrysler LHS.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Liability – Liability coverage will cover damages or injuries you inflict on other people or property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

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 policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

best LHS insurance

Liability coverage protects against things such as attorney fees, repair costs for stationary objects, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, vandalism, theft, hail damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Summing up your auto insurance search

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. In many instances, consumers will sacrifice full coverage and learned later that they should have had better coverage. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Discount Chrysler LHS insurance is possible both online as well as from independent agents, and you should compare price quotes from both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

Insureds who switch companies do it for a number of reasons such as not issuing a premium refund, delays in responding to claim requests, an unsatisfactory settlement offer or high prices. It doesn’t matter why you want to switch finding a new auto insurance company is not as hard as you think.