Lower Your 2000 Chrysler Grand Voyager Insurance Rates

Looking for cheaper insurance coverage rates for your Chrysler Grand Voyager? Vehicle owners who are new to comparing prices online may discover sourcing the cheapest insurance coverage is very challenging.

Discounts for lower-cost insurance quotes

Auto insurance companies don’t list every available discount very clearly, so the list below contains some of the best known and the more hidden savings tricks you should be using when you buy insurance coverage online. If they aren’t giving you every credit available, you are throwing money away.

• Federal Employees – Federal government employees may reduce rates when you quote insurance coverage on Grand Voyager insurance depending on your company.
• Good Grades Discount – This discount can save 20 to 25%. You can use this discount normally up until you turn 25.
• New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
• Pay Early and Save – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of 20% or more.

Please keep in mind that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free insurance policy, company stockholders wouldn’t be very happy.

A few of the larger companies and their possible discounts are detailed below.

• Geico may have discounts that include military active duty, daytime running lights, emergency military deployment, anti-theft, seat belt use, anti-lock brakes, and five-year accident-free.
• Mercury Insurance may offer discounts for multi-policy, annual mileage, ease of repair, good driver, professional/association, age of vehicle, and good student.
• Farmers Insurance offers discounts including bundle discounts, switch companies, youthful driver, business and professional, pay in full, alternative fuel, and good student.
• Auto-Owners Insurance policyholders can earn discounts including paperless, air bags, anti-theft, group or association, and safe driver.
• Liberty Mutual has discounts for new move discount, new vehicle discount, good student, safety features, newly retired, new graduate, and multi-car.
• SAFECO has savings for multi-car, anti-lock brakes, teen safety rewards, safe driver, anti-theft, and accident prevention training.
• Progressive offers discounts for homeowner, online quote discount, good student, continuous coverage, online signing, and multi-policy.
• USAA discounts include multi-vehicle, good student, defensive driver, family discount, multi-policy, and loyalty savings.

Before you buy a policy, ask all the companies the best way to save money. Discounts may not apply to policies everywhere. To see a list of insurance companies who offer online insurance quotes, follow this link.

The most recommended method to compare rate quotes is to know the trick car insurance companies allow for online access to give rate comparisons. The only thing you need to do is give them some information including driver ages, if you went to college, types of safety features, and marital status. Your rating data is instantly provided to multiple companies and they return cost estimate instantly to find the best rate.

To find the cheapest Chrysler Grand Voyager insurance rates, click here and see if a lower rate is available.

Seven factors that affect insurance rates

Consumers need to have an understanding of the different types of things that aid in calculating your premiums. If you know what determines base rates, this enables informed choices that could help you find cheaper rates.

The items below are a partial list of the pieces utilized by car insurance companies to help set your premiums.

• Decrease rates by maintaining coverage – Driving without insurance is a big no-no and companies may charge more for letting your coverage lapse. Not only will rates go up, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
• Women tend to take less risk – Statistics show females are less aggressive when driving. However, don’t assume that women are BETTER drivers than men. Both sexes tend to get into auto accidents in similar percentages, but males have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Reserve policy claims for larger damages – Auto insurance companies give lower rates to insureds who are not frequent claim filers. If you file claims often, you can expect increased rates or even have your policy non-renewed. Your car insurance is designed for claims that you cannot pay yourself.
• Better premiums with anti-theft devices – Choosing to buy a car with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
• Save miles and save money – The more you drive your Chrysler annually the higher the price you pay to insure it. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Autos that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Grand Voyager may be wasting your money. It’s a smart idea to ensure your insurance coverage declarations sheet correctly shows the right rating data, because it can save money.
• High premiums for younger drivers – Mature drivers have been proven to be more responsible, statistically cause fewer accidents and are safer drivers.Beginning drivers tend to get distracted easily when driving with friends so they pay higher insurance coverage rates.
• Improve your credit rating and save – Having a bad credit rating is a large factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have bad credit. If your credit score is low, you could pay less to insure your 2000 Chrysler Grand Voyager by spending a little time repairing your credit.

You may need specialized insurance coverage coverage

When buying coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

• Should I have combined single limit or split liability limits?
• Should I get collision insurance on every vehicle?
• Is my 2000 Chrysler Grand Voyager covered for flood damage?
• Am I insured when driving a different vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have newly-aquired coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Auto insurance specifics

Having a good grasp of auto insurance can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability

This can cover damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as medical services, loss of income, attorney fees, emergency aid and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your Grand Voyager resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2000 Chrysler Grand Voyager.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, EMT expenses, funeral costs, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, theft and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Money doesn’t grow on trees

We just showed you many ways to save on 2000 Chrysler Grand Voyager insurance. It’s most important to understand that the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with a smaller regional carrier.

Some auto insurance companies do not offer internet price quotes and usually these small insurance companies work with independent insurance agencies. Cheaper auto insurance can be bought both online as well as from insurance agents, so you need to compare both to have the best selection.

As you shop your coverage around, do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your objective should be to find the BEST coverage at the best cost, not the least amount of coverage.

To learn more, feel free to visit these articles:

• Safety Belts FAQ (iihs.org)
• What is a Telematics Device? (Allstate)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Full Coverage? (Allstate)