Insurance for Chrysler Town and CountryAre you drained from sacrificing other expenses to pay your car insurance bill each month? Your situation is no different than many other people in Indiana.

Shocking but true, nearly 70% of consumers kept buying from the same company for at least four years, and almost half have never compared rate quotes at all. The average driver in America could save nearly $850 a year by just comparing quotes, but they don't understand how simple it is to compare rates. Popular companies such as GEICO, Progressive and Allstate increase brand awareness with TV and radio ads and consumers find it hard to ignore the promise of big savings and find the best price available.

It's a great practice to shop coverage around once or twice a year due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the best price on Chrysler Town and Country insurance in Evansville on your last policy there may be better deals available now. Forget all the misinformation about car insurance because you're going to learn the right way to lower your annual insurance bill.

If you have a policy now or are looking for a new policy, take advantage of these tips to get lower rates while maximizing coverage. Locating the most cost-effective insurance policy in Evansville can initially seem challenging. You only need to know the quickest way to shop online.

Lower-cost Evansville insurance rates with discounts

Some insurers don't always publicize the entire discount list in an easy-to-find place, so we researched both the well known as well as some of the hidden discounts that may be available. If you're not getting every credit possible, you could be getting lower rates.Insurance discounts

Don't be surprised that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it doesn't quite work that way.

A few popular companies and their possible discounts are included below.

When comparing rates, check with every prospective company how you can save money. Some credits may not be available in every state. If you would like to see a list of providers who offer discounts in Evansville, click here.

The car insurance companies shown below are ready to provide free rate quotes in Indiana. If several companies are displayed, we recommend you click on several of them to get a more complete price comparison.

Chrysler Town and Country Insurance Cost Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $186 $294 $250 $14 $76 $820 $68
Town and Country Touring $220 $362 $322 $20 $96 $1,020 $85
Town and Country Signature $130 $236 $270 $16 $80 $732 $61
Town and Country Touring Plus $146 $226 $244 $14 $72 $702 $59
Town and Country Limited $218 $400 $288 $18 $86 $1,010 $84
Get Your Own Custom Quote Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in vehicle location which can modify insurance rates significantly.

Raise deductibles and save

The illustration below highlights how deductible selection and can raise or lower Chrysler Town and Country annual premium costs for different age categories. Data assumes a married female driver, comp and collision included, and no other discounts are factored in.

Raise deductibles and save

One of the most common car insurance questions is where to set your physical damage deductibles. The data tables below can help you understand the cost difference when you buy lower versus higher coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Chrysler Town and Country insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $242 $358 $238 $14 $72 $949 $79
Town and Country Touring $272 $436 $238 $14 $72 $1,057 $88
Town and Country Signature $272 $436 $238 $14 $72 $1,057 $88
Town and Country Touring Plus $272 $436 $238 $14 $72 $1,057 $88
Town and Country Limited $304 $514 $238 $14 $72 $1,167 $97
Get Your Own Custom Quote Go
Chrysler Town and Country insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $176 $242 $238 $14 $72 $742 $62
Town and Country Touring $200 $294 $238 $14 $72 $818 $68
Town and Country Signature $200 $294 $238 $14 $72 $818 $68
Town and Country Touring Plus $200 $294 $238 $14 $72 $818 $68
Town and Country Limited $222 $348 $238 $14 $72 $894 $75
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices noticeably.

Based on the figures above, using a $100 deductible costs roughly $20 more each month or $240 each year than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 20 months between claims, you would most likely save money if you elect the higher deductible. The table below illustrates an example of how this calculation is made.

Average monthly premium for $100 deductibles: $88
Average monthly premium for $500 deductibles (subtract): - $68
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

Does full coverage make sense?

The chart below examines Chrysler Town and Country yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Indiana. The rates are based on no violations or accidents, $100 deductibles, married female driver, and no policy discounts are applied.

When to buy liability coverage only

There isn't a written rule of when to exclude physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's pretend your Chrysler Town and Country replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying the physical damage deductible. If premium cost is more than $500 a year to have full coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Can't I compare rates from local Evansville auto insurance agents?

A lot of people would rather get advice from a local agent and that is OK! Most agents are highly skilled in risk management and will help you if you have claims. One of the best bonuses of comparing rate quotes online is that drivers can save money and get cheap car insurance rates and still choose a local agent.

After filling out this simple form, your information gets sent to local insurance agents in Evansville who will gladly provide quotes for your business. You don't have to contact any insurance agencies since price quotes are sent to the email address you provide. In the event you want to get a price quote from a specific insurance company, don't hesitate to visit that company's website and submit a quote form there.

Picking the best provider should include more criteria than just the quoted price. Agents should be asked these questions:

If you are wanting to find a local agent, it's helpful to know the types of agencies and how they can write your policy. Car insurance policy providers are either exclusive or independent (non-exclusive). Both properly insure your vehicles, but it's worth learning the differences because it can influence the kind of agent you use.

Exclusive Car Insurance Agents

Agents in the exclusive channel work for only one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are not able to compare other company's rates so they have no alternatives for high prices. Exclusive agencies are highly trained on what they offer which helps them sell on service rather than price.

Below is a short list of exclusive agents in Evansville that can give you price quote information.

2319 W Franklin St - Evansville, IN 47712 - (812) 425-4200 - View Map

7820 Eagle Crest Blvd - Evansville, IN 47715 - (812) 477-9966 ext. 248 - View Map

999 Kenmore Dr - Evansville, IN 47714 - (812) 476-2224 - View Map

View more Evansville agents

Independent Agents

These type of agents can quote rates with many companies so as a result can place your coverage through many different car insurance companies and get the cheapest rates. To transfer your coverage to a different company, they simply move your policy to a different company and you won't have to switch agencies.

When shopping rates, we recommend you get several quotes from at least one independent agent so that you have a good selection of quotes to compare.

Shown below is a short list of independent insurance agents in Evansville that are able to give comparison quotes.

7424 Eagle Crest Blvd - Evansville, IN 47715 - (812) 473-5100 - View Map

ET Shield Insurance Agency
4405 Theater Dr - Evansville, IN 47715 - (812) 469-9907 - View Map

417 N Weinbach Ave #104 - Evansville, IN 47711 - (812) 402-9008 - View Map

View more Evansville agents

A little work can save a LOT of money

Some insurance providers don't offer price quotes online and many times these smaller companies only sell coverage through independent insurance agencies. Lower-priced auto insurance in Evansville is possible on the web as well as from independent agents in Evansville, so you need to compare both to have the best selection.

In this article, we presented a lot of ways to shop for Chrysler Town and Country insurance online. The key concept to understand is the more you quote Evansville car insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best rates are with some of the smallest insurance companies. Regional companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

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