Save Money on Chrysler Town and Country Insurance in Raleigh

Comparison shopping for low cost Chrysler Town and Country insurance in Raleigh is always very difficult for drivers not familiar with online price comparisons. With such a big selection of agents and insurers to choose from, it can easily turn into a chore to locate the lowest coverage rates.

It goes without saying that car insurance companies don’t want you to look for a cheaper policy. Insureds who compare rates once a year will, in all likelihood, switch to a new company because the odds are good of finding a lower-cost company. A recent study showed that consumers who made a habit of comparing rates saved over $72 a month as compared to drivers who never shopped around.

If finding budget-friendly rates on Chrysler Town and Country insurance is your ultimate target, then learning a little about how to get free comparison quotes and analyze car insurance can save time and make the process easier.

Choosing the most cost-effective auto insurance policy in Raleigh is quite easy. If you currently have a car insurance policy, you will be able to find better prices using these tips. Although North Carolina vehicle owners must understand the way insurance companies calculate your auto insurance rates because it can help you find the best coverage.

Cheapest Chrysler Town and Country insurance price quotes in Raleigh, North Carolina

It’s important to know that comparing a wide range of rates will improve the odds of getting more affordable insurance.

The providers in the list below offer price quotes in North Carolina. If multiple companies are listed, it’s highly recommended you visit several of them to get the lowest price.

Three reasons to not skimp on car insurance

Despite the high cost of buying insurance for a Chrysler Town and Country in Raleigh, car insurance may not be optional for several reasons.

First, almost all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability protection if you don’t want to risk a ticket. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Chrysler Town and Country, more than likely the lender will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Chrysler at a much higher premium rate and require you to fork over the higher price.

Third, car insurance preserves not only your Chrysler but also your financial assets. Insurance will also pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. The average driver in North Carolina overpays more than $865 each year so shop around each time the policy renews to ensure rates are competitive.

Facts and figures for Chrysler Town and Country insurance

The premium table below showcases different insurance premium costs for Chrysler Town and Country models. Having a good understanding how insurance rates are figured can aid in making smart policy decisions.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific garaging location which can revise auto insurance rates considerably.

Car insurance deductibles

One common question asked by Raleigh drivers is where should you set your physical damage deductibles. The following tables may aid in understanding the differences in price when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in specific location information which can alter premiums substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you about $10 more each month or $120 annually than quoting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 25 months between claim filings, you would probably be better off if you choose a higher deductible. The numbers below show a better example of how this decision is made.

The information below highlights how deductible selection and can impact Chrysler Town and Country insurance prices for different ages of insureds. The premiums assume a married female driver, comp and collision included, and no discounts are factored in.

Do you need full coverage?

The chart below illustrates the comparison of Chrysler Town and Country yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no definitive formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Chrysler Town and Country settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $3,000 after paying your policy deductible. If you are paying over $300 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not advised. If you haven’t paid off your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Take policy discounts and save on Chrysler Town and Country insurance in Raleigh

Auto insurance companies do not list every possible discount very clearly, so the below list has both well-publicized and the more hidden discounts you could be receiving when you buy Raleigh auto insurance online.

• Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
• New Vehicle Savings – Buying a new car model can be considerably cheaper since newer models have better safety ratings.
• Discounts for Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates than less cautious drivers.
• Employee of Federal Government – Active or former government employment can earn a discount up to 10% with certain companies.
• Smart Student Discounts – Being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
• Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you could save over 10 percent off each policy depending on the company.
• Anti-theft System – Cars with anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Professional Memberships – Participating in qualifying clubs or civic groups may earn a discount on your bill.
• Defensive Driving Course – Successfully completing a course in defensive driving could possibly earn you a 5% discount and also improve your driving technique.
• Distant Student Discount – Older children who live away from home to go to college and do not take a car to college can be insured at a reduced rate.

One thing to note about discounts is that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you’re out of luck.

The chart below shows the comparison of Chrysler Town and Country insurance prices with and without discounts applied to the policy rates. The information is based on a male driver, no claims or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, multi-car, and homeowner discounts applied.

Companies and a summarized list of policyholder discounts are included below.

• GEICO offers discounts for multi-policy, federal employee, five-year accident-free, emergency military deployment, air bags, and good student.
• MetLife may have discounts that include defensive driver, good driver, accident-free, multi-policy, and good student.
• Progressive has discounts for homeowner, continuous coverage, online quote discount, online signing, multi-vehicle, multi-policy, and good student.
• Travelers offers discounts including save driver, driver training, multi-policy, multi-car, home ownership, and new car.
• SAFECO may offer discounts for anti-lock brakes, multi-car, homeowner, bundle discounts, and accident prevention training.
• AAA includes discounts for good student, pay-in-full, anti-theft, multi-car, good driver, education and occupation, and multi-policy.

If you need cheaper Raleigh auto insurance quotes, ask every prospective company which discounts you may be entitled to. Some discounts may not be available in Raleigh. If you would like to view companies with the best discounts in Raleigh, click this link.

When should I talk to a local insurance agent?

Some consumers would rather have an agent’s advice and doing so can bring peace of mind A good thing about getting free rate quotes online is that you can find the best rates but still work with a licensed agent.

After filling out this form (opens in new window), the quote information is transmitted to local insurance agents in Raleigh who want to provide quotes for your insurance coverage. It’s much easier because you don’t need to search for any insurance agencies because quoted prices will be sent instantly to you. You can find lower rates without a big time investment. If for some reason you want to get a comparison quote from a specific company, you can always visit that company’s website and give them your coverage information.

Deciding on an insurer requires more thought than just the bottom line cost. Here are some questions you might want to ask.

• Will a damage claim use OEM or aftermarket replacement parts?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Will their companies depreciate repairs to your car based on the mileage?
• Do they carry Errors and Omissions coverage?
• Does the agent have professional designations like CIC, CPCU or AIC?

Listed below are agents in Raleigh willing to provide rate quotes for Chrysler Town and Country insurance in Raleigh.

• Compare Insurance Agency LLC
  6531 Creedmoor Rd # 206 – Raleigh, NC 27613 – (919) 863-0150 – View Map
• Nationwide Insurance: Terry E Nobles
  557 Pylon Dr a – Raleigh, NC 27606 – (919) 833-3803 – View Map
• Durfey-Hoover-Bowden Insurance Agency
  3741 Benson Dr – Raleigh, NC 27609 – (919) 790-6415 – View Map
• Chapman Insurance Agency, Inc.
  6829 Falls of Neuse Rd #103 – Raleigh, NC 27615 – (919) 676-5066 – View Map

View more Raleigh agents

More comparisons equals affordable rates

When searching for inexpensive Raleigh auto insurance quotes, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut collision coverage and discovered at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

People change insurance companies for a variety of reasons including policy cancellation, lack of trust in their agent, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason, choosing a new company is less work than it seems.

Budget-conscious Chrysler Town and Country insurance is attainable from both online companies in addition to many Raleigh insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not offer internet price quotes and usually these smaller companies only sell coverage through independent insurance agencies.

How to find cheaper rates for Chrysler Town and Country insurance in Raleigh

The recommended way to get more affordable Chrysler Town and Country insurance in Raleigh is to start doing a yearly price comparison from insurers in North Carolina. You can shop around by completing these steps.

1. Gain an understanding of how insurance companies determine prices and the things you can change to keep rates in check. Many rating criteria that drive up the price such as at-fault accidents, careless driving, and a poor credit score can be remedied by making minor changes to your lifestyle.
2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or State Farm, while independent agencies can quote rates for a wide range of companies. Get quotes now
3. Compare the price quotes to the premium of your current policy to see if cheaper Town and Country coverage is available in Raleigh. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

A good tip to remember is to compare similar deductibles and liability limits on every price quote and and to get price quotes from as many companies as possible. This helps ensure an accurate price comparison and many rates to choose from.

For more information, feel free to visit the following helpful articles:

• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Who Has Cheap Raleigh Car Insurance for a Company Car? (FAQ)
• Who Has Cheap Raleigh Car Insurance Rates for a Toyota Tacoma? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Teenage Males in Raleigh? (FAQ)
• Determining Auto Insurance Rates (GEICO)
• What is Full Coverage? (Allstate)
• Avoiding Deer Collisions (Insurance Information Institute)