Save Money on Chrysler Town and Country Insurance in Riverside

Insurance rates Chrysler Town and Country in RiversideIf you want to find the absolute lowest rates, then the best way to get discount auto insurance rates is to regularly compare prices from providers that sell auto insurance in Riverside. You can compare prices by completing these steps.

One thing to point out is to try to compare the same liability limits and deductibles on each quote and and to get rates from as many auto insurance providers as possible. Doing this guarantees an apples-to-apples comparison and maximum price selection.

It’s a known fact that insurance companies don’t want you shop around. Drivers who shop around at least once a year will most likely move their business because there are good odds of finding coverage at a cheaper rate. A recent survey discovered that people who make a habit of shopping around saved over $3,450 over four years compared to other drivers who never shopped around for better prices.

If finding the cheapest price on auto insurance is your intention, then having a good understanding the best way to quote and compare coverage rates can make the process less intimidating.

If you have auto insurance now, you will surely be able to find better prices using the concepts covered in this article. Locating the best rates in Riverside is not that difficult. But California car owners can benefit by having an understanding of the way insurance companies determine how much to charge and apply this information to your search.

First Step: Get free Chrysler Town and Country insurance quotes

Most companies give prices on their websites. The process doesn’t take much effort as you simply type in the coverage amounts you desire into a form. Behind the scenes, their rating system makes automated requests for your driving record and credit report and provides a quote based on these and other factors. Getting online rate quotes for Chrysler Town and Country insurance in Riverside makes it simple to compare prices and it’s very important to have as many quotes as possible if you are searching for the lowest payment on auto insurance.

To save time and find out if lower rates are available, consider comparing rates from the companies shown below. To compare your current rates, we recommend you copy the coverages identical to your current policy. Doing this guarantees you will receive rate quotes for the exact same coverage.

The companies shown below offer free quotes in Riverside, CA. If several companies are displayed, we suggest you get rates from several of them in order to get a fair rate comparison.

Analysis of Chrysler Town and Country rates

The rate table shown below covers a range of insurance rates for Chrysler Town and Country models. Having a better idea how auto insurance prices are established can help guide drivers when making informed coverage decisions.


Chrysler Town and Country Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $202 $336 $488 $28 $146 $1,200 $100
Town and Country Touring $228 $408 $488 $28 $146 $1,298 $108
Town and Country Signature $228 $408 $488 $28 $146 $1,298 $108
Town and Country Touring Plus $228 $408 $488 $28 $146 $1,298 $108
Town and Country Limited $254 $482 $488 $28 $146 $1,398 $117
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location information which can decrease or increase auto insurance rates noticeably.

Policy deductibles

One common question asked by Riverside drivers is how high or low should comp and collision deductibles be. The comparisons below can help illustrate the difference in cost between high and low coverage deductibles. The first data set uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.


Chrysler Town and Country insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $342 $472 $376 $22 $112 $1,349 $112
Town and Country Touring $386 $576 $376 $22 $112 $1,497 $125
Town and Country Signature $386 $576 $376 $22 $112 $1,497 $125
Town and Country Touring Plus $386 $576 $376 $22 $112 $1,497 $125
Town and Country Limited $430 $678 $376 $22 $112 $1,643 $137
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Chrysler Town and Country insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $278 $382 $376 $22 $112 $1,170 $98
Town and Country Touring $314 $464 $376 $22 $112 $1,288 $107
Town and Country Signature $314 $464 $376 $22 $112 $1,288 $107
Town and Country Touring Plus $314 $464 $376 $22 $112 $1,288 $107
Town and Country Limited $348 $546 $376 $22 $112 $1,404 $117
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can modify premium rates substantially.

We can estimate from the data above that using a $250 deductible will cost you approximately $18 more each month or $216 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 14 months between claims, you would more than likely save some money if you elect the higher deductible. The table below shows an example of how you can make your own decision.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $107
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One thing to be aware of is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. You will want to have some savings in the bank in order to pay the deductible to have repairs made.

The diagram below shows how different deductible levels and can influence Chrysler Town and Country yearly insurance costs for different categories of driver ages. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Accidents and violations increase rates

The chart below highlights how traffic violations and accident claims can influence Chrysler Town and Country car insurance rates for different age groups of insureds. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Quote Chrysler Town and Country Insurance at a Discount

Multiple criteria are used when you quote your car insurance policy. A few of the factors are predictable such as your driving record, although some other factors are less apparent like your continuous coverage and annual miles driven. An important part of buying insurance is that you know some of the things that help determine your policy premiums. When consumers understand what determines base rates, this helps enable you to make changes that may reward you with cheaper rates.

Discounts for married drivers – Being married may cut your premiums on your policy. Having a significant other generally demonstrates drivers are more mature it has been statistically shown that married couples file fewer claims.

Are males or females drivers cheaper? – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better at driving than males. They both are responsible for fender benders in similar numbers, but guys have costlier accidents. Not only are claims higher, but men receive more major tickets like DUI and reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.

The example below visualizes the comparison of Chrysler Town and Country insurance costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Liability coverage – Liability coverage provides coverage if ever a jury decides you are liable for damages from an accident. Liability insurance provides you with a defense in court starting from day one. It is affordable coverage as compared to coverage for physical damage, so do not skimp.

Vehicles with better crash test results mean better premiums – Safe vehicles can get you lower premiums. These vehicles protect occupants better and lower injury rates means less claims paid and more competitive rates for policyholders.

Car insurance policy lapses increase car insurance rates – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. Not only will you pay more, the inability to provide proof of insurance may earn you fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with the California department of motor vehicles.

Combine policies and save – Some car insurance companies will give discounts to people who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount drivers will still want to get quotes from other companies to confirm you are receiving the best rates possible.

Why you need vehicle insurance in California

Despite the high insurance cost for a Chrysler Town and Country in Riverside, auto insurance is a good idea for several reasons.

First, almost all states have mandatory liability insurance requirements which means the state requires a specific level of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your car has a lienholder, almost all lenders will stipulate that you have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Chrysler at an extremely high rate and require you to pay much more than you were paying before.

Third, auto insurance preserves both your Chrysler and your personal assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of having auto insurance are definitely more than the cost, particularly if you ever have a claim. But the average driver in California is wasting up to $865 each year so you should quote your policy with other companies at every policy renewal to help ensure money is not being wasted.