Want to learn how to find more affordable Chrysler Town and Country insurance in Seattle? Scraping up a payment for overpriced Chrysler Town and Country insurance in Seattle can take a big chunk out of your monthly budget and make it impossible to make ends meet. Performing a rate comparison can be a smart way to make sure you’re not throwing money away.
Unthinkable but true, the majority of drivers have stayed with the same insurance company for well over three years, and practically 40% of insurance customers have never taken the time to shop around. Most drivers in Washington can cut their rates by up to $430 a year by just comparing rate quotes, but most just don’t grasp how much they could save if they just switched companies.
There are many insurance companies to choose from, and although it’s nice to be able to choose, lots of choices makes it harder to find the lowest cost provider for Chrysler Town and Country insurance in Seattle.
It’s a good idea to quote other rates occasionally because insurance prices change frequently. Despite the fact that you may have had the lowest quotes on Chrysler Town and Country insurance in Seattle a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about Town and Country insurance on the internet, but you can learn the best ways to find affordable insurance in Seattle.
Obtaining price quotes for the best protection in Seattle is quite easy. In a nutshell, every driver who is looking for cheaper auto insurance should be able to lower their premiums. But Washington vehicle owners do need to understand the way insurance companies calculate your policy premium because rates are impacted by many factors.
Low-cost companies for Chrysler Town and Country insurance in Washington
The companies in the list below offer quotes in Seattle, WA. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Town and Country LX||$178||$268||$240||$14||$72||$772||$64|
|Town and Country Touring||$252||$442||$304||$18||$90||$1,106||$92|
|Town and Country Signature||$232||$380||$338||$20||$102||$1,072||$89|
|Town and Country Touring Plus||$180||$304||$284||$16||$84||$868||$72|
|Town and Country Limited||$200||$376||$284||$16||$84||$960||$80|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in specific Seattle garaging location which can decrease or increase premium rates noticeably.
The information below shows how choosing a deductible and can affect Chrysler Town and Country insurance costs for each different age group. The premiums assume a single female driver, comp and collision included, and no discounts are applied to the premium.
Don’t neglect these premium slashing discounts
Buying car insurance is not cheap, but companies offer discounts that many people don’t even know exist. Some of these discounts will be visible when you purchase, but a few must be asked about before they will apply. If you do not check that you are getting every discount available, you could be saving more on your car insurance.
- Multiple Cars – Buying insurance for multiple cars on one policy could earn a price break for each car.
- Claim-Free Discount – Good drivers with no accidents can save substantially as opposed to drivers with a long claim history.
- Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
- Telematics Data Discounts – Seattle drivers who agree to allow their company to analyze driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as they are good drivers.
- Defensive Driver – Completing a defensive driver class could possibly earn you a 5% discount if your company offers it.
- Senior Citizen Rates – If you’re over the age of 55, you can get a discount up to 10%.
- Accident Forgiveness – This one isn’t a discount, but a few companies such as Allstate, Progressive, and GEICO may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
- Include Life Insurance and Save – Some companies give a break if you buy a life policy as well.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts could save 15% off PIP or medical payments premium.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts as much as 30%.
As a footnote on discounts, most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. But all discounts will help lower the amount you pay for coverage.
To see insurers that offer some of these discounts in Washington, click this link.
Smart Consumers Can Reduce Insurance Rates
Lots of factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious like your continuous coverage or how safe your car is.
Shown below are a few of the things used by companies to determine premiums.
High coverage deductibles equal low rates – Physical damage insurance, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. A few examples of covered claims could be a windshield shattered by a rock, vandalism, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount you pay before a claim is paid (deductible), the better rate you will receive.
Safer cars means better auto insurance rates – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates.
You might want pay the small auto insurance claims yourself – If you file a lot of claims you should expect higher premiums or even policy non-renewal. Companies in Washington generally give the best rates to people who only file infrequent claims. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
Combine policies and save money – Some insurers will give discounts to insureds that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, drivers will still want to compare other Seattle Town and Country insurance rates to guarantee you are still saving the most.
Little extras can really add up – Insurance companies have many extra add-on coverages that you can buy if you don’t pay attention. Coverages like personal injury protection, towing coverage, and additional equipment coverage may be costing you every month. They may seem good at first, but if you have no use for them get rid of them and save.
Exclusive or independent insurance agents
Some consumers just prefer to get professional advice from a licensed agent and that is not a bad decision One of the best bonuses of comparing rates online is the fact that you can find the lowest rates but also keep your business local. Buying insurance from neighborhood agents is especially important in Seattle.
Once you complete this form (opens in new window), the quote information is submitted to local insurance agents that can provide free Seattle car insurance quotes for your insurance coverage. You won’t need to visit any agencies because quoted prices will be sent to you instantly. You can most likely find cheaper rates without the usual hassles of price shopping. If you need to quote rates from a particular provider, just visit that company’s website and complete a quote there.
The type of car insurance agent you choose is important
If you are wanting to purchase auto insurance from a reliable agent, you should know the different types of agents and how they are slightly different. Insurance agencies in Seattle are classified as either independent agents or exclusive agents.
Independent Agents (or Brokers)
Agents in the independent channel are not employed by any specific company and that gives them the ability to insure through lots of different companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies which is easy for the insured.
When searching for an agent, you should always compare quotes from a couple of independent agencies to have the most options to choose from.
Listed below are independent insurance agencies in Seattle that can give you price quotes.
Agents that elect to be exclusive have only one company to place business with and examples are State Farm or Allstate. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agents receive a lot of sales training on their company’s products and that enables them to sell even at higher rates.
Below are Seattle exclusive insurance agencies who can help you get price quotes.
Mark Hafemeister – State Farm Insurance Agent
14322 Lake City Way NE – Seattle, WA 98125 – (206) 365-0600 – View Map
Selecting a car insurance agent requires more thought than just a cheap quote. Some important questions to ask are:
- Are they paid to recommend certain coverages?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is coverage determined by price?
- How long has their agency been open in Seattle?
- Are they giving you every discount you deserve?
- What is the agency’s Better Business Bureau rating?
- Does the agent have a valid license to sell insurance in Washington?
If you feel you receive reasonable responses to any questions you may have and an acceptable price quote, you may have just found an insurance agency that can be trusted to properly service your auto insurance policy. But keep in mind you can cancel coverage for any reason so don’t think that you are obligated to the auto insurance policy with no way out.
Cheap insurance premiums are out there
While you’re price shopping online, never reduce coverage to reduce premium. There have been many cases where an insured dropped liability coverage limits only to discover later they didn’t purchase enough coverage. The goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Some insurance companies may not have rate quotes online and most of the time these regional carriers only sell coverage through independent agencies. More affordable insurance in Seattle can be bought on the web as well as from independent agents in Seattle, so compare prices from both to have the best selection.
Additional insurance information can be found at the links below
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Cheap Seattle Car Insurance Rates for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Seattle? (FAQ)
- Who Has Affordable Auto Insurance Rates for Business Use in Seattle? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Seattle? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- All About Airbag Safety (State Farm)