How to Compare Kansas City Chrysler Sebring Insurance

It’s safe to assume that auto insurance companies want to prevent you from shopping around. Drivers who get comparison quotes at least once a year will presumably buy a different policy because they have good chances of finding discount prices. A recent survey revealed that people who regularly compared rates saved on average $860 a year compared to drivers who never shopped around for cheaper prices.

If finding the cheapest rates on insurance in Kansas City is why you’re reading this, knowing how to get free comparison quotes and analyze insurance rates can help you be more efficient.

It takes a little time, but the best way to find better pricing on Chrysler Sebring insurance is to start comparing prices yearly from insurance carriers who provide auto insurance in Kansas City.

1. Spend a few minutes and learn about policy coverages and the steps you can take to keep rates in check. Many rating criteria that cause high rates like getting speeding tickets and a substandard credit score can be controlled by making minor changes to your lifestyle. Later in this article we will cover instructions to help reduce premium rates and find more discounts that you may not know about.
2. Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Allstate, while independent agencies can provide prices from multiple companies.
3. Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure coverage does not lapse between policies.
4. Notify your company or agent to cancel your existing policy. Submit a down payment along with a signed application to your new insurance company. As soon as you can, place the new proof of insurance paperwork with your vehicle’s registration.

A good tip to remember is that you’ll want to make sure you compare similar coverage information on every quote request and and to get rates from all possible companies. This provides a fair rate comparison and a thorough selection of prices.

If you are already insured or are just looking to switch companies, you will benefit by learning to cut your premiums and possibly find even better coverage. Locating cheaper car insurance in Kansas City is simple if you know the tricks. Drivers just need to use the fastest way to quote multiple rates from multiple carriers.

How Insurance Providers Determine Chrysler Sebring Insurance Costs

An important part of buying insurance is that you know some of the things that aid in calculating your policy premiums. If you understand what impacts premium levels, this enables informed choices that may result in lower premium levels.

Qualify for multi-policy discounts – Most insurance companies give lower prices to people who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other company rates to guarantee you are still saving the most.

Lower stress equals lower rates – Do you have a high-stress occupation? Careers like fire fighters, air traffic controllers, and dentists have higher rates than the rest of us due to intense work requirements and lengthy work days. Conversely, jobs such as farmers, engineers and the unemployed generally pay rates lower than average.

Safer vehicles means better insurance rates – Safer cars tend to have lower insurance rates. Vehicles built for safety have better occupant injury protection and fewer injuries translates directly to fewer claims and thus lower rates.

Excellent credit saves on insurance – Having a bad credit score can be a huge factor in calculating your premium rate. People with high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit leaves room for improvement, you could save money insuring your Chrysler Sebring by improving your rating.

Only buy extra coverages you need – There are quite a few extra bells and whistles that sound like a good idea at the time if you aren’t careful. Things like coverage for rental cars, accidental death, and additional equipment coverage are some examples. You may think they are a good idea at first, but your needs may have changed so consider taking them off your policy.

Where you live plays a part – Living in less populated areas is a good thing when shopping for auto insurance. City drivers regularly have more traffic problems and a longer drive to work. Fewer people means fewer accidents.

Getting married equates to better premiums – Having a spouse actually saves money on your insurance bill. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove being married results in fewer claims.

Good drivers pay less – Good drivers receive lower rates than bad drivers. Having just one ticket may cause rates to rise to the point where it’s not affordable. Drivers unfortunate enough to have careless tickets such as reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with their state in order to prevent their license from being revoked.

The diagram below demonstrates how speeding tickets and accidents can affect Chrysler Sebring car insurance rates for each different age category. The data is based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

Chrysler Sebring coverage analysis

The information below outlines a range of policy rates for Chrysler Sebring models. Having insight into how insurance policy rates are formulated is important for making smart choices when selecting a coverage provider.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in your specific Kansas City location which can decrease or increase auto insurance rates significantly.

Physical damage deductibles

One common question asked by Kansas City drivers is which deductible level should you buy. The rates below outline the costs and benefits of buying low and high policy deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in Kansas City location which can lower or raise price quotes noticeably.

Based on this data, using a $250 deductible will cost you approximately $22 more each month or $264 for a full year across all Chrysler Sebring models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 34 months between claims, you would probably save some money if you decide on a higher deductible. The numbers below show the way we made this calculation.

One important issue to know is that a higher deductible level results in more money out-of-pocket when you have a comprehensive or collision claim. It will be required that you have enough money in the bank in the event you need to pay the higher deductible.

The illustration below illustrates how your deductible choice and can affect Chrysler Sebring premium costs for each age group. The premiums are based on a married male driver, full coverage, and no discounts are taken into consideration.

Auto insurance premiums based on gender

The illustration below illustrates the comparison of Chrysler Sebring auto insurance rates for male and female drivers. The premiums are based on no claims, a clean driving record, full coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The illustration below compares Chrysler Sebring insurance rates with full coverage compared to only the Missouri minimum liability coverage. The information is based on no tickets, no at-fault accidents, $100 deductibles, single status, and no policy discounts are applied.

When to eliminate full coverage

There is no definitive guideline to eliminate full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Chrysler Sebring replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If you are paying over $700 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some scenarios where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not remove full coverage.

Cut your insurance rates with discounts

Car insurance is not cheap, but there’s a good chance there are discounts that you may not know about. Certain credits will be shown at the time of quoting, but lesser-known reductions have to be specially asked for in order for you to get them.

• Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
• Payment Method – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
• Paper-free Discount – A few insurance companies will discount your bill up to fifty bucks simply for signing on your computer.
• Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Membership in Organizations – Being a member of a qualifying organization could earn you a nice discount when getting a Kansas City car insurance quote.
• Defensive Driver – Completing a defensive driving class can save you 5% or more and easily pay for the cost of the class.
• Distant College Student Discount – Older children who live away from home to go to college and do not have a car could get you a discount.

As a sidenote, some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

The example below compares Chrysler Sebring premium costs with and without discounts being applied to the rates. Data assumes a male driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.

A few popular companies and their offered discounts can be read below.

• GEICO may have discounts that include driver training, anti-lock brakes, defensive driver, air bags, seat belt use, federal employee, and emergency military deployment.
• MetLife discounts include multi-policy, defensive driver, good driver, accident-free, good student, and claim-free.
• State Farm may include discounts for student away at school, Drive Safe & Save, driver’s education, safe vehicle, Steer Clear safe driver discount, defensive driving training, and multiple policy.
• Progressive policyholders can earn discounts including online signing, homeowner, online quote discount, continuous coverage, and good student.
• Mercury Insurance offers premium reductions for good driver, good student, accident-free, low natural disaster claims, multi-policy, location of vehicle, and anti-theft.
• 21st Century offers discounts including anti-lock brakes, air bags, defensive driver, teen driver, homeowners, theft prevention, and 55 and older.
• Allstate may offer discounts for anti-theft, anti-lock brakes, teenSMART discount, multi-policy, and early signing.

If you need the cheapest Chrysler Sebring rate quotes, ask each insurance company what discounts are available to you. Savings may not apply to policyholders in your area. To view insurance companies who offer free Chrysler Sebring insurance quotes in Missouri, click here.

What is YOUR best insurance company?

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at an affordable rate.

Consumers switch companies for a variety of reasons including policy cancellation, not issuing a premium refund, delays in responding to claim requests and denial of a claim. Regardless of your reason, finding a new company can be pretty painless.

We just presented a lot of information how to get a better price on Chrysler Sebring insurance in Kansas City. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper Kansas City car insurance quotes. Drivers may even discover the lowest priced insurance comes from a lesser-known regional company.

Additional resources

• Understanding your Policy (NAIC.org)
• What Car Insurance is Cheapest for Drivers Over Age 60 in Kansas City? (FAQ)
• Who Has Cheap Kansas City Auto Insurance Rates for a Mazda CX-7? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Business Use in Kansas City? (FAQ)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Vehicle Size and Weight FAQ (iihs.org)