Locating the cheapest insurance for your Chrysler Town and Country in Nebraska can be difficult, but you can use the following methods and make it easy. There is a better way to shop for insurance so you’re going to learn the quickest way to price shop coverage on a Chrysler and find the lowest possible price from Lincoln insurance agents and online providers.
If you have insurance now or need new coverage, you can use this information to find better prices and still have adequate protection. Quoting and comparing rates for the lowest-priced coverage in Lincoln can be fairly easy. Shoppers just have to use the proper way to find the lowest price from multiple carriers.
Take advantage of these ten discounts on Chrysler Town and Country insurance in Lincoln
The price of auto insurance can be rather high, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but some need to be asked about before being credited.
- Multi-Vehicle Discounts – Insuring all your vehicles with one company can get a discount for every vehicle.
- Paper-free Discount – Some companies give back up to $50 for buying your policy digitally online.
- Military Deployment Discount – Being deployed with a military unit can result in better rates.
- No Accidents – Claim-free drivers pay much less when compared with drivers with a long claim history.
- Safety Restraint Discount – Requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
- Memberships – Having an affiliation with qualifying employment or professional organizations may earn a discount on your next renewal.
- Defensive Driver Discount – Taking time to complete a defensive driver course may get you a small discount and make you a better driver.
- Telematics Discount – People who choose to allow their car insurance company to spy on vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they are good drivers.
- Mature Driver Discount – If you qualify as a senior citizen, you can get a slight reduction on a Lincoln car insurance quote.
- Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Lincoln and don’t have a car may be able to be covered for less.
It’s important to understand that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business.
The information below shows the comparison of Chrysler Town and Country insurance costs with and without some available policy discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, Nebraska 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 claim-free, multi-policy, marriage, homeowner, safe-driver, and multi-car discounts applied.
Some of the larger companies that possibly offer these benefits include:
Before you buy a policy, ask each company or agent which discounts they offer. Discounts might not be offered on policies in every state.
The companies shown below are ready to provide free rate quotes in Lincoln, NE. In order to find the best auto insurance in Nebraska, we recommend you compare several of them to get the cheapest price.
Insurance statistics and figures
The table below highlights detailed analysis of insurance policy prices for Chrysler Town and Country models. Being able to understand how car insurance prices are established can help guide drivers when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Town and Country LX||$222||$394||$288||$18||$86||$1,008||$84|
|Town and Country Touring||$250||$480||$288||$18||$86||$1,122||$94|
|Town and Country Signature||$250||$480||$288||$18||$86||$1,122||$94|
|Town and Country Touring Plus||$250||$480||$288||$18||$86||$1,122||$94|
|Town and Country Limited||$278||$566||$288||$18||$86||$1,236||$103|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in specific garaging location which can raise or lower auto insurance rates noticeably.
The illustration below illustrates how your deductible choice and can increase or decrease Chrysler Town and Country premium costs for different age categories. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Safe drivers pay less for insurance
The information below shows how traffic citations and fender-benders increase Chrysler Town and Country insurance costs for each different age category. The premium estimates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
Difference between liability only and full coverage rates
The information below illustrates the difference between Chrysler Town and Country auto insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The rates are based on no violations or accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
When to switch to liability coverage only
There is no specific rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s assume your Chrysler Town and Country replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the policy deductible has been paid. If premium cost is more than $200 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
Should I talk to a local insurance agent?
A small number of people just want to buy from a licensed agent and that is not a bad decision Licensed agents are trained risk managers and help file insurance claims. One of the benefits of getting online price quotes is that you can obtain cheaper premium rates and still choose a local agent.
Once you complete this simple form, your coverage information is emailed to local insurance agents in Lincoln that can give you free Lincoln car insurance quotes for your coverage. There is no need to contact any agents because quoted prices will be sent immediately to your email address. If for some reason you want to compare rates from a specific insurance provider, just go to their quote page and submit a quote form there.
Finding the right provider is decision based upon more than just a cheap price quote. Below are some questions you should ask.
- How does the company pay claims for a total loss?
- How many years have they been established?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which companies can they place coverage with?
- Will you work with the agent or an assistant?
- Is insurance their full-time profession?
- Do they reduce claim amounts on high mileage vehicles?
Independent or Exclusive: It’s your choice
When narrowing the list to find an insurance agent, you should know the different agency structures that differ in how they can insure your vehicles. Insurance agents are either exclusive or independent. Either one can sell and service insurance coverage, but it’s important to know the difference between them because it may have an impact on your agent selection.
Exclusive Insurance Agents
Agents in the exclusive channel can only provide one company’s prices and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. These agents receive a lot of sales training on the products they sell which helps them compete with independent agents. Some people will only use the same agent partially due to the brand and strong financial ratings.
The following is a list of exclusive insurance agents in Lincoln who may provide you with rate quotes.
- Nicole Simon – State Farm Insurance Agent
4400 S 70th St #130 – Lincoln, NE 68516 – (402) 483-4441 – View Map
- State Farm – Lincoln – Steve Lang
1401 N 66th St Suite 206 – Lincoln, NE 68505 – (402) 467-2272 – View Map
- Rick Self – State Farm Insurance Agent
6030 Village Dr #101 – Lincoln, NE 68516 – (402) 434-2800 – View Map
Agents in the independent channel are not limited to a single company and that allows them to write policies through many companies depending on which coverage is best. If you want to switch companies, the business is moved internally and the insured can keep the same agent.
If you are comparing rate quotes, you absolutely need to compare prices from independent agents so that you have a good selection of quotes to compare. Most also have access to additional companies that you may not be familiar with which may have better rates.
The following are Lincoln independent agents willing to provide comparison quotes.
- UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 – View Map
- Barney Insurance-Lincoln
701 N 48th St – Lincoln, NE 68504 – (402) 467-4633 – View Map
- Advantage Insurance Agency
505 N 27th St #2 – Lincoln, NE 68503 – (402) 484-5454 – View Map
Why you need car insurance
Despite the high cost, maintaining insurance is a good idea for several reasons.
First, almost all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Town and Country, most banks will force you to carry insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender may have to buy a policy to insure your Chrysler at a significantly higher premium and require you to reimburse them for it.
Third, car insurance protects your Chrysler and your assets. It will also cover most medical and hospital costs that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you have damage to your Chrysler as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the price paid, especially when you need to use it. According to a recent study, the average American driver is overpaying more than $869 every year so it’s important to compare rates once a year at a minimum to save money.
Auto insurance 101
Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield, hitting a deer and damage from flooding. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like EMT expenses, hospital visits, prosthetic devices, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like hitting a mailbox, sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible on your Town and Country in order to get cheaper collision rates.
Liability car insurance – This provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things such as emergency aid, pain and suffering, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. Nebraska requires drivers to carry at least 25/50/25 but drivers should carry better liability coverage.
The next chart demonstrates why the minimum limit may not be adequate coverage.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Chrysler Town and Country.
Since a lot of drivers only carry the minimum required liability limits (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In too many instances, drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.
We’ve covered some good ideas how to shop for Chrysler Town and Country insurance online. The key thing to remember is the more you quote Lincoln car insurance, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.
Insureds switch companies for any number of reasons including lack of trust in their agent, high rates after DUI convictions, policy non-renewal and delays in paying claims. Whatever your reason, finding a new car insurance company can be less work than you think.
How to buy affordable Chrysler Town and Country insurance in Lincoln
The preferred way to get affordable Chrysler Town and Country insurance in Lincoln is to start comparing prices yearly from different companies who sell auto insurance in Nebraska.
- First, it will benefit you to learn about how auto insurance works and the measures you can take to keep rates in check. Many policy risk factors that are responsible for high rates such as at-fault accidents and a substandard credit score can be rectified by improving your driving habits or financial responsibility.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agents can provide prices from many different companies.
- Third, compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you can save some money, make sure there is no coverage gap between policies.
- Fourth, notify your company or agent to cancel your current auto insurance policy. Submit the application along with any required down payment for the new coverage. As soon as you can, store the certificate verifying proof of insurance along with the vehicle’s registration papers.
One tip to remember is to try to use identical coverages on each quote and and to look at as many companies as possible. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
For more information, take a look at the articles below:
- Should I Buy a New or Used Car? (Allstate)
- Who Has Affordable Lincoln Car Insurance Quotes for Teenagers? (FAQ)
- How Much is Auto Insurance for a School Permit in Lincoln? (FAQ)
- What Insurance is Cheapest for Postal Workers in Lincoln? (FAQ)
- Who Has Cheap Auto Insurance Rates for Homeowners in Lincoln? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Child Safety Seats (Insurance Information Institute)