1997 Chrysler LHS Car Insurance Rates – 8 Discounts for Cheaper Quotes

Shoppers have options when shopping for the best price on Chrysler LHS insurance. They can either spend hours driving around to compare prices or leverage the internet to compare rates. There are both good and bad ways to buy car insurance and we’ll show you the absolute fastest way to compare rates on a Chrysler and get the lowest price either online or from local insurance agents.

Don’t miss these eight premium-slashing discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that could help you make your next renewal payment. Certain discounts will be applied when you quote, but some must be requested specifically before being credited. If you check and find you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

• No Accidents – Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
• Save over 55 – Seniors can get a small decrease in premiums on LHS insurance.
• Low Miles Discount – Driving fewer miles could earn lower rates due to less chance of an accident.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
• Memberships – Belonging to a civic or occupational organization could qualify you for a break when getting a insurance quote.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
• Early Switch Discount – A few car insurance companies give discounts for switching companies before your current expiration date. You can save around 10% with this discount.
• Policy Bundle Discount – If you can combine your auto and home policy with one company you will save up to 20% off your total premium.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts should help reduce your policy premiums.

Popular car insurance companies and a partial list of their discounts are outlined below.

• State Farm offers discounts for good student, safe vehicle, defensive driving training, Steer Clear safe driver discount, passive restraint, anti-theft, and driver’s education.
• Esurance policyholders can earn discounts including safety device, online quote, emergency road assistance, DriveSense, homeowner, online shopper, and Switch & Save.
• Progressive may have discounts that include multi-vehicle, online quote discount, continuous coverage, homeowner, and multi-policy.
• Liberty Mutual has discounts for preferred payment discount, exclusive group savings, new graduate, multi-policy, teen driver discount, newly married, and hybrid vehicle.
• Auto-Owners Insurance may include discounts for multi-policy, good student, safe vehicle, multiple vehicles, anti-lock brakes, and paid in full.
• Geico may offer discounts for multi-policy, anti-theft, seat belt use, good student, and air bags.

When comparing rates, check with every company to apply every possible discount. Some of the discounts discussed earlier may not apply in your area. If you would like to see a list of providers that can offer you the previously mentioned discounts, click here to view.

First Step: Get free auto insurance quotes

There are a variety of methods to shop for auto insurance, and some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to achieve your goal.

Many insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and each company returns a competitive quote based on that data. This system prevents you from having to do form submissions to each company.

To use this form to compare rates click here to start a free quote.

The only drawback to pricing coverage this way is that you can’t choose which carriers you will receive quotes from. So if you prefer to choose individual companies to compare, we have a page of companies who write auto insurance in your area. Click to view list.

Which method you use is up to you, but compare equivalent quote information on every price quote you get. If you are comparing different data then you won’t be able to decipher which rate is best.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions can help discover if you might need an agent’s assistance.

• When would I need rental car insurance?
• Where can I get insurance after a DUI in my state?
• What is PIP insurance?
• Am I covered if I hit a deer?
• Should I have a commercial auto policy?
• Am I covered when driving on a suspended license?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Is there truth in advertising?

Consumers can’t avoid all the ads that claim the best rates from the likes of Progressive, Allstate and Geico. They all seem to seem to make the promise that you’ll save big if you change your insurance coverage policy to them.

It sounds good, but how can they all have lower policy pricing? It’s all in how they say it.

Insurance coverage companies have a preferred profile for the type of customer that will generate a profit. For instance, a profitable risk profile should be between the ages of 30 and 50, has never had a policy lapse, and drives less than 5,000 miles a year. Someone that fits those parameters will get the preferred premium rates and have a good chance to save quite a bit of money when switching.

People who are not a match for those criteria will probably have to pay a more expensive rate which results in the customer buying from a different company. The trick companies use is to say “people who switch” not “everyone who quotes” save that much. This is how insurance companies can confidently make claims that they all have the best premium rates. This really emphasizes why you really should compare price quotes frequently. It’s just not possible to know which insurance companies will have better car insurance rates than you’re paying now.

Parts of your insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler LHS.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses like surgery, X-ray expenses, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – This will cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as structural damage, funeral expenses, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, a broken windshield, falling objects, vandalism and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage will pay to fix damage to your LHS caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

One last thing about your coverage

Budget-conscious 1997 Chrysler LHS insurance can be sourced on the web in addition to local insurance agencies, so get free insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not provide online rate quotes and usually these smaller companies only sell through independent agents.

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured cut uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

We covered some good ideas how to get a better price on 1997 Chrysler LHS insurance. The key concept to understand is the more companies you get rates for, the better likelihood of getting affordable insurance. You may even discover the best prices are with some of the lesser-known companies.

More detailed car insurance information can be read by following these links:

• Child Safety FAQ (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Parking Tips to Reduce Door Dings (State Farm)
• Medical Payments Coverage (Liberty Mutual)