Cheap Insurance for a Chrysler Town and Country in Plano

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It's shocking but almost 70% of insureds in Texas have stayed with the same insurance company for over three years, and virtually 40% of consumers have never even compared quotes to find affordable rates. U.S. insurance shoppers can cut their rates by about $859 a year just by shopping around, but they just feel it's too hard to do a rate comparison.

Discount Chrysler Town and Country insuranceIf you want to save money, the best way to find low-cost car insurance rates is to annually compare prices from companies in Plano. Rate comparisons can be done by following these steps.

  • First, read and learn about coverages and the measures you can control to keep rates low. Many risk factors that result in higher prices such as traffic violations and a not-so-good credit score can be improved by improving your driving habits or financial responsibility. Read the full article for more information to help find cheaper rates and find possible discounts that are available.
  • Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple sources.
  • Third, compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.

A key point to remember is that you'll want to make sure you compare the same amount of coverage on every quote and and to get price estimates from as many companies as possible. Doing this enables a level playing field and a thorough price selection.

The quickest method we recommend to compare insurance rates from multiple companies is to know the fact most larger insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is give the companies some data including what you do for a living, if you require a SR-22, how many miles driven, and whether the vehicles are used for commuting. Your insurance information is sent automatically to insurance carriers in your area and they return quotes almost instantly.

To compare rates for your Chrysler Town and Country now, click here and find out if lower rates are available in Plano.

The companies in the list below can provide free rate quotes in Texas. To get the best auto insurance in Plano, it's highly recommended you click on several of them to get the cheapest price.

Chrysler Town and Country insurance coverage information

The rate information below highlights estimates of insurance costs for Chrysler Town and Country models. Knowing how auto insurance prices are formulated can help you make smart policy decisions.

Chrysler Town and Country Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $328 $486 $324 $20 $96 $1,254 $105
Town and Country Touring $370 $592 $324 $20 $96 $1,402 $117
Town and Country Signature $370 $592 $324 $20 $96 $1,402 $117
Town and Country Touring Plus $370 $592 $324 $20 $96 $1,402 $117
Town and Country Limited $412 $698 $324 $20 $96 $1,550 $129
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in Plano location which can affect price quotes noticeably.

Deductible comparison

A question often asked by Plano drivers is which comprehensive and collision deductibles to buy. The premium rates below show the rate fluctuation between high and low policy deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate table uses a $1,000 deductible.

Chrysler Town and Country insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $328 $486 $324 $20 $96 $1,279 $107
Town and Country Touring $370 $592 $324 $20 $96 $1,427 $119
Town and Country Signature $370 $592 $324 $20 $96 $1,427 $119
Town and Country Touring Plus $370 $592 $324 $20 $96 $1,427 $119
Town and Country Limited $412 $698 $324 $20 $96 $1,575 $131
Get Your Own Custom Quote Go
Chrysler Town and Country insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $182 $256 $324 $20 $96 $878 $73
Town and Country Touring $206 $312 $324 $20 $96 $958 $80
Town and Country Signature $206 $312 $324 $20 $96 $958 $80
Town and Country Touring Plus $206 $312 $324 $20 $96 $958 $80
Town and Country Limited $228 $368 $324 $20 $96 $1,036 $86
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in specific location information which can raise or lower auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $39 more each month or $468 for a full year than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 23 months between claims, you would save more money going with the higher deductible. The illustration below shows a better example of how this calculation is made.

Average monthly premium for $100 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $80
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important caveat is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have a comprehensive or collision claim. You should have enough money stashed away in order to pay more to get your vehicle repaired.

The illustration below illustrates how your deductible choice and can change Chrysler Town and Country insurance premiums for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Liability only or full coverage

The diagram below illustrates the comparison of Chrysler Town and Country insurance prices with full physical damage coverage and with liability coverage only. Data assumes no violations or accidents, $500 deductibles, single status, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula to eliminate physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's say your Chrysler Town and Country book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the deductible is paid. If you are currently paying more than $400 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Chrysler Town and Country Insurance Price Factors

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that play a part in calculating your car insurance rates. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower premium levels. Many factors are considered when you quote your car insurance policy. Some factors are common sense like your driving record, but other factors are more obscure like your vehicle usage and annual miles driven.

The factors shown below are some of the things used by insurance companies to determine your premiums.

Your stress level may be raising your premiums - Do you work in a high-stress field? Occupational choices like military generals, executives, and accountants tend to have higher average rates in part from stressful work requirements and extremely grueling work hours. Conversely, professions such as actors, athletes and performers have the lowest average rates.

Pay more for higher performance vehicles - The performance of the vehicle you need insurance for makes a substantial difference in the rate you pay. The lowest rates will generally be found on the lowest performance passenger cars, but there are many factors that impact the final cost.

The data below assumes a single female driver age 40, full coverage with $100 deductibles, and no discounts or violations. The chart compares Chrysler Town and Country car insurance rates compared to other makes and models that have a range of performances.

Raising physical damage deductibles lowers premiums - The deductibles represent how much money you are willing to pay out-of-pocket if the claim is covered. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and damage from wind. The more damage repair cost you have to pay, the less your car insurance will be.

Lower car insurance rates with uninterrupted coverage - Going without insurance will be a fast way to increase your rates. Not only will rates go up, failure to provide proof of insurance could result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Texas motor vehicle department to get your license reinstated.

Qualify for multi-policy discounts - Most larger insurance companies will award a discount to clients that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare other Plano Town and Country insurance rates to guarantee you are still saving the most.

Careless drivers pay higher rates - A bad driving record has a lot to do with how much you pay for insurance. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Having a single speeding ticket or other violation can boost insurance rates by as much as twenty percent. People who have careless violations such as DUI or reckless driving may be required to complete a SR-22 with their state's department of motor vehicles in order to legally drive a vehicle.

The information below illustrates how traffic citations and at-fault fender-benders can drive up Chrysler Town and Country auto insurance costs for different categories of driver ages. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

How much liability insurance - Your policy's liability coverage is the protection if ever you are found to be at fault for personal injury or accident damage. Your policy's liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so buy as much as you can afford.

Why you need car insurance

Despite the potentially high cost of Chrysler Town and Country insurance, maintaining insurance is required by state law in Texas and it also provides benefits you may not be aware of.

  • Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to license the vehicle. In Texas 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.
  • If your Chrysler has a lienholder, almost every bank will stipulate that you have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Chrysler for a lot more money and require you to reimburse them for the expensive policy.
  • Car insurance protects both your Chrysler Town and Country and your assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage will also pay to defend you if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.

The benefits of insuring your Town and Country definitely exceed the price paid, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is overpaying more than $820 a year so compare rate quotes every year to ensure rates are competitive.