How to Compare Greensboro Chrysler Town and Country Insurance

Discount Chrysler Town and Country insuranceAre you tired of trying to find the cheapest Chrysler Town and Country insurance in Greensboro? Trying to find low-cost insurance for your Chrysler Town and Country in North Carolina can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for car insurance and you need to know the proper way to compare rates for a new or used Chrysler and find the cheapest rates from both online companies and Greensboro agents.

It’s smart to compare rates yearly because prices fluctuate regularly. Just because you found the lowest rate on Chrysler Town and Country insurance in Greensboro two years ago there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.

Cheapest companies for Chrysler Town and Country insurance

The companies shown below have been selected to offer quotes in Greensboro, NC. If you want cheap auto insurance in Greensboro, we suggest you compare several of them to find the cheapest car insurance rates.

Coverage statistics and figures

The rate information shown next outlines different insurance coverage prices for Chrysler Town and Country models. Learning a little about how auto insurance premiums are figured is important for you to make smart buying decisions.

Chrysler Town and Country Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $108 $154 $218 $12 $66 $558 $47
Town and Country Touring $122 $188 $218 $12 $66 $606 $51
Town and Country Signature $122 $188 $218 $12 $66 $606 $51
Town and Country Touring Plus $122 $188 $218 $12 $66 $606 $51
Town and Country Limited $136 $222 $218 $12 $66 $654 $55
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in vehicle location which can affect coverage prices significantly.

Physical damage deductibles: Should you raise them?

When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The premium rates below can help you understand the difference in cost between high and low physical damage deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Chrysler Town and Country insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $214 $318 $212 $12 $64 $845 $70
Town and Country Touring $242 $386 $212 $12 $64 $941 $78
Town and Country Signature $242 $386 $212 $12 $64 $941 $78
Town and Country Touring Plus $242 $386 $212 $12 $64 $941 $78
Town and Country Limited $270 $456 $212 $12 $64 $1,039 $87
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Chrysler Town and Country insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $156 $214 $212 $12 $64 $658 $55
Town and Country Touring $176 $262 $212 $12 $64 $726 $61
Town and Country Signature $176 $262 $212 $12 $64 $726 $61
Town and Country Touring Plus $176 $262 $212 $12 $64 $726 $61
Town and Country Limited $196 $308 $212 $12 $64 $792 $66
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can decrease or increase rates substantially.

Based on the figures above, using a $100 deductible will cost you roughly $17 more each month or $204 every year averaged for all Town and Country models than buying the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average more than 24 months between claims, you would probably come out ahead by selecting a higher deductible.

Car insurance prices based on gender

The information below shows the comparison of Chrysler Town and Country car insurance rates for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

Chrysler Town and Country full coverage rates compared to liability only

The example below shows the comparison of Chrysler Town and Country insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $100 deductibles, marital status is single, and no other discounts are factored in.

When to stop paying for full coverage

There is no definitive rule to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Chrysler Town and Country claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after you pay the deductible. If it’s costing in excess of $800 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Lower-cost Chrysler Town and Country insurance in Greensboro

Some companies don’t always advertise the complete list of policy discounts very clearly, so here is a list some of the more common as well as some of the hidden credits available to bring down your rates.

One last thing about discounts, most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you won’t be that lucky.

The diagram below shows the difference between Chrysler Town and Country auto insurance rates with and without discounts applied to the premium. The premiums are based on a female driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, multi-car, marriage, and claim-free discounts applied.

For a list of insurance companies that offer many of these discounts in Greensboro, click here.

Do I need a local insurance agent?

A lot of people would prefer to buy from a local agent and we recommend doing that Licensed agents can answer important questions and help file insurance claims. One of the best bonuses of getting online price quotes is you may find the lowest rates and also buy local.

Insurance agents in GreensboroBy using this form (opens in new window), the quote information is submitted to participating agents in Greensboro that can provide free Greensboro auto insurance quotes to get your business. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent to your email. If you have a need to get a rate quote from one company in particular, you would need to go to their quote page and give them your coverage information.

Picking a company is decision based upon more than just the premium amount. Before buying a policy in Greensboro, get answers to these questions.

Insurance agent types

If you are wanting to purchase auto insurance from a good Greensboro insurance agent, it’s helpful to know the different agency structures and how they work. Auto insurance agents in Greensboro can either be independent (non-exclusive) or exclusive. Both sell auto insurance policies, but it’s a good idea to understand the difference in the companies they write for since it may influence buying decisions.

Exclusive Auto Insurance Agents

These type of agents can only quote rates from one company and some examples include American Family, State Farm, and Allstate. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training in insurance sales which helps them compete with independent agents. Some insured continue to buy from the same agent for years mainly due to high brand loyalty instead of buying on price only.

Below are exclusive insurance agents in Greensboro who can help you get comparison quotes.

View more Greensboro agents

Independent Agencies or Brokers

Independent insurance agents are not limited to a single company and that gives them the ability to insure with an assortment of companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When comparing auto insurance prices, you will definitely want to get insurance quotes from a couple of independent agencies in order to compare the most rates. Most also have access to smaller mutual companies that can offer cheaper rates than bigger companies.

Listed below is a list of independent insurance agencies in Greensboro willing to provide comparison quotes.

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Auto insurance companies ranked

Picking the right auto insurance provider can be difficult considering how many companies there are in North Carolina. The company rank data in the next section could help you pick which car insurance companies you want to consider comparing price quotes from.

Top Auto Insurance Companies in North Carolina
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Auto insurance coverage information

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Chrysler Town and Country.

Due to the fact that many North Carolina drivers have only the minimum liability required by law (North Carolina limits are 30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses like pain medications, chiropractic care and nursing services. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage can cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 30/60/25 which stand for a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, bail bonds, medical expenses, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. North Carolina state law requires minimum liability limits of 30/60/25 but you should think about purchasing more coverage.

The chart below shows why buying low liability limits may not be adequate.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, crashing into a building, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your Town and Country to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Final considerations

In this article, we covered a lot of ways to shop for Chrysler Town and Country insurance online. It’s most important to understand that the more companies you get auto insurance rates for, the better your comparison will be. You may even be surprised to find that the lowest rates come from a lesser-known regional company.

Drivers leave their current company for any number of reasons including denial of a claim, delays in responding to claim requests, high prices or poor customer service. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal is to find the BEST coverage at the best price, not the least amount of coverage.

Steps to finding more affordable Chrysler Town and Country insurance in Greensboro

Truthfully, the best way to get more affordable auto insurance rates in Greensboro is to compare quotes annually from insurers in North Carolina. You can shop around by following these steps.

One thing to remember is that you’ll want to compare identical coverage information on every price quote and and to get quotes from every insurance company. This ensures the most accurate price comparison and a good representation of prices.

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