Truthfully, the best way to quote cheaper Chrysler Town and Country insurance is to compare prices at least once a year from insurers who sell insurance in New Orleans.
First, gain an understanding of how auto insurance works and the measures you can take to lower rates. Many risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and an unacceptable credit score can be amended by making minor driving habit or lifestyle changes.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide price quotes for a wide range of insurance providers.
Third, compare the new quotes to your existing rates and see if there is a cheaper rate. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, tell your current company to cancel the current policy. Submit any necessary down payment along with the completed application to the newly selected company. Immediately upon receiving it, keep your new certificate of insurance with the vehicle registration.
The most important part of this process is to try to use identical limits and deductibles on each price quote and and to look at as many auto insurance providers as possible. This ensures a level playing field and and a good selection of different prices.
A recent auto insurance study revealed that the vast majority of consumers have purchased from the same company for a minimum of four years, and approximately 40% of consumers have never compared rates from other carriers. Drivers in New Orleans could save themselves nearly $900 a year, but they just assume it takes a lot of time to save money by comparing rate quotes.
If you have insurance now or are just looking to switch companies, use these techniques to lower your rates while maintaining coverages. Finding affordable car insurance coverage in New Orleans is actually quite simple. Drivers just need to know the best way to get comparison rates over the internet.
Best companies for Chrysler Town and Country insurance
The companies shown below have been selected to offer comparison quotes in New Orleans, LA. To locate cheap car insurance in LA, we recommend you compare several of them to get the best price comparison.
Analysis of coverages
The information below showcases a range of policy rates for Chrysler Town and Country models. Having insight into how prices are calculated can benefit drivers when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Town and Country LX||$190||$322||$446||$26||$134||$1,118||$93|
|Town and Country Touring||$216||$392||$446||$26||$134||$1,214||$101|
|Town and Country Signature||$216||$392||$446||$26||$134||$1,214||$101|
|Town and Country Touring Plus||$216||$392||$446||$26||$134||$1,214||$101|
|Town and Country Limited||$240||$462||$446||$26||$134||$1,308||$109|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can impact insurance rates noticeably.
Car insurance rates by gender and age
The chart below illustrates the comparison of Chrysler Town and Country insurance costs for male and female drivers. The premiums assume no violations or accidents, full coverage, $500 deductibles, drivers are single, and no discounts are applied.
Liability only or full coverage
The illustration below visualizes the comparison of Chrysler Town and Country insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on no claims or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop buying comprehensive and collision coverage
There is no written rule to exclude comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Chrysler Town and Country book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after you pay the deductible. If premiums are more than $600 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are a few cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.
Slash rates with these nine money saving discounts
Car insurance is not inexpensive, but discounts can save money and there are some available that can dramatically reduce your bill. Certain reductions will be credited at quote time, but a few must be specifically requested before being credited.
- Student in College – College-age children who are enrolled in a college that is more than 100 miles from New Orleans and do not take a car to college may be insured at a cheaper rate.
- Memberships – Joining specific professional or occupational memberships or organizations could qualify you for a break on your next car insurance statement.
- Savings for New Vehicles – Buying a new car model may earn a small discount due to better safety requirements for new model year vehicles.
- Student Discount for Driver Training – Have your child take driver’s ed class in school.
- Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
- Anti-lock Brakes – Cars that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% off the medical payments premium.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
- Life Insurance Discount – Some insurance carriers give a discount if you purchase a life policy as well.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The chart below visualizes the comparison of Chrysler Town and Country yearly insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no claims or driving citations, Louisiana state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-car, claim-free, and multi-policy discounts applied.
Companies and their possible discounts are detailed below.
- State Farm may offer discounts for passive restraint, multiple autos, accident-free, student away at school, and good student.
- Nationwide offers premium reductions for family plan, multi-policy, business or organization, good student, and accident-free.
- GEICO has savings for five-year accident-free, multi-policy, military active duty, anti-lock brakes, and driver training.
- AAA may include discounts for multi-car, good driver, multi-policy, pay-in-full, education and occupation, anti-theft, and good student.
- 21st Century offers discounts for defensive driver, teen driver, anti-lock brakes, air bags, and early bird.
- The Hartford offers discounts including anti-theft, driver training, defensive driver, bundle, vehicle fuel type, good student, and air bag.
Double check with each company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in your state. To see a list of insurers who offer free Chrysler Town and Country insurance quotes in Louisiana, follow this link.
Do I need special coverages?
Always keep in mind that when comparing the best auto insurance coverage, there really is not a one size fits all plan. Every situation is different and your auto insurance should be unique as well. For instance, these questions could help you determine whether or not you might need professional guidance.
- Should I buy more coverage than the required Louisiana minimum liability coverage?
- Do I have coverage when pulling a U-Haul trailer?
- Is a fancy paint job covered?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is my vehicle covered by my employer’s policy when using it for work?
- When should my teen driver be added to my policy?
- At what point should I drop full coverage?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Local agents and auto insurance
Many drivers just prefer to talk to an insurance agent and that is a personal choice. Most agents are trained to spot inefficiencies and will help you if you have claims. An additional benefit of getting free rate quotes online is the fact that you can find the lowest rates and still have an agent to talk to.
To help locate an agent, after submitting this simple form, the quote information is transmitted to insurance agents in New Orleans who will give you quotes for your coverage. You never need to search for any insurance agencies because quoted prices will be sent instantly to you. If for some reason you want to quote rates for a specific company, you just need to go to their quote page and fill out their quote form.
Choosing the best insurer requires you to look at more than just the premium amount. A good agent in New Orleans will have answers to these questions.
- How long have they worked with personal auto insurance coverage?
- Which family members are covered?
- Do they regularly work with personal auto policies in New Orleans?
- What are their preferred companies if they are an independent agency?
- Are claims handled at the agent’s location?
- Do you need full coverage on every vehicle?
- Do they offer accident forgiveness?
The difference between New Orleans car insurance agents
If you are wanting to purchase auto insurance from a local agent, it’s important to understand the different types of agencies and how they differ in how they can insure your vehicles. Auto insurance agencies can be categorized as either exclusive or independent (non-exclusive). Both can insure your vehicles, but we need to point out the subtle differences since it can affect the selection process.
Exclusive Insurance Agencies
Exclusive agents have only one company to place business with and examples are State Farm, Allstate, or Farmers Insurance. They generally cannot provide rate quotes from other companies so keep that in mind. Exclusive agents are trained well in insurance sales which helps them sell insurance even at higher premiums.
Below are New Orleans exclusive agents who can help you get comparison quotes.
Independent Auto Insurance Agents
Agents that elect to be independent do not sell for just one brand and that is an advantage because they can write policies with any number of different companies enabling the ability to shop coverage around. If your premiums go up, the business is moved internally which makes it simple for you.
When comparing rates, it’s recommended you check rates from several independent insurance agents so that you can do a thorough price comparison.
Shown below is a short list of independent agents in New Orleans who can help you get price quote information.
Upon receiving answers to your satisfaction to your questions and an acceptable price quote, it’s possible that you found a car insurance agent that meets the requirements to properly service your auto insurance policy. It’s important to know that consumers can cancel your policy whenever you choose to so never assume you are locked into your new company for any length of time.
Learn about insurance coverages for a Chrysler Town and Country
Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for X-ray expenses, dental work, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Town and Country.
Since many Louisiana drivers only purchase the least amount of liability that is required (15/30/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from getting keyed, vandalism and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability insurance will cover injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/25 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $25,000.
Liability insurance covers claims such as emergency aid, medical services and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Louisiana requires drivers to carry at least 15/30/25 but it’s recommended drivers buy more liability than the minimum.
The chart below demonstrates why low liability limits may not be adequate coverage.
Coverage for collisions
Collision insurance covers damage to your Town and Country caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible on your Town and Country to save money on collision insurance.
Frequent quotes can save
As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.
You just learned quite a bit of information on how to compare Chrysler Town and Country insurance rates in New Orleans. The key thing to remember is the more quotes you get, the higher your chance of finding affordable New Orleans car insurance quotes. You may even discover the lowest rates are with a small local company. They can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.
To read more, take a look at the articles below:
- Older Drivers FAQ (iihs.org)
- Who Has the Cheapest New Orleans Car Insurance for College Students? (FAQ)
- How Much are New Orleans Car Insurance Quotes for 4×4 Vehicles? (FAQ)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Male in New Orleans? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)
- Auto Theft Statistics (Insurance Information Institute)