Penny Pincher's Guide to Insuring a Chrysler Cirrus
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. Unfortunately, it's not always as easy as it sounds to get the best rate. Cutting the check for each renewal on your Chrysler Cirrus might give you the same feeling.
Step One: Compare Rates from Multiple Companies
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Not anymore!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Chrysler Cirrus without even visiting their websites!
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Important Tip! In order to accurately compare rates for your Cirrus, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Tricks to Saving Money on Cirrus Insurance
What you actually pay to insure your Chrysler is determined by many factors, some of which you have no control over.
- How is your credit rating? The better credit you have, the less insurance will cost for your Cirrus. If you have bad credit, work on improving your credit score and repair past credit problems.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- Equipping your Chrysler with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Cirrus falls into either category, it could cost you.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
Step Three: Finalize your Policy Details
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Chrysler added prior to the expiration of this grace period. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Cirrus will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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