How long has it been since you compared quotes for more affordable Chrysler Town and Country insurance in Baltimore? Are you burned out from sacrificing to keep your car insured? You’re in the same situation as many other Maryland drivers.
Shockingly, the vast majority of insurance customers kept buying from the same company for a minimum of four years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. Baltimore drivers could pocket 55% a year just by getting comparison quotes, but they just don’t understand the amount of savings they would get if they moved their coverage to a different company.
Steps to finding cheaper rates for Chrysler Town and Country insurance in Baltimore
If you want to find the absolute lowest rates, then the best way to get budget auto insurance rates in Baltimore is to compare quotes annually from insurance carriers in Maryland.
- First, spend a few minutes and learn about how auto insurance works and the modifications you can make to keep rates down. Many policy risk factors that cause rate increases like high-risk driving behaviors and a not-so-good credit score can be amended by making minor changes in your lifestyle.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies.
- Third, compare the new rates to your existing coverage to see if a cheaper price is available. If you find better rates, make sure coverage is continuous and does not lapse.
A good piece of advice is to try to compare the same deductibles and limits on every quote and and to get price estimates from as many companies as you can. Doing this guarantees a fair price comparison and a thorough price selection.
Consumers have many car insurance companies to choose from, and although it’s nice to be able to choose, it can be more difficult to find a good deal for Chrysler Town and Country insurance in Baltimore.
How to Lower Your Insurance Costs
Many factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but others are less obvious such as whether you are married and annual miles driven. Part of the car insurance buying process is learning some of the factors that play a part in calculating the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower car insurance prices.
Annual mileage impacts costs – The higher the mileage driven annually the higher your rate. Many insurance companies price each vehicle’s coverage based upon how much you drive. Cars that have low annual miles receive better premium rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Town and Country may be wasting your money. It’s always a good idea to double check that your vehicle rating shows the proper vehicle usage, because improper ratings can cost you money.
When should you file insurance claims? – If you’re an insured who likes to file claims don’t be surprised to see higher rates. Car insurance companies in Maryland give cheaper rates to insureds who only file infrequent claims. Your car insurance is meant to be used in the event of more catastrophic claims.
Certain employers pay higher rates – Occupations like real estate brokers, airline pilots, and dentists have higher rates than average due to stressful work requirements and long work hours. On the other hand, careers like farmers, historians and retirees generally pay rates lower than average.
Vehicles with better crash test results save money – Safe vehicles tend to be cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity translates directly to fewer claims which can mean better rates for you.
Liability insurance limits on your policy – Liability insurance will provide protection if ever you are found liable for damages from an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
Obey driving laws and save – Having a clean driving record influences premium rates substantially. Getting just one speeding ticket or other violation could increase your next policy renewal by twenty percent. Attentive drivers receive lower rates as compared to those with violations. Drivers unfortunate enough to have multiple violations like DUI or willful reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.
The diagram below illustrates how speeding tickets and at-fault fender-benders can increase Chrysler Town and Country insurance prices for different age groups. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Vehicle risk influences premiums – The make and model of the vehicle you need insurance for makes a substantial difference in how high your rates are. The lowest base rates will generally be found on economy passenger models, but your final cost has many other factors.
The chart below assumes a married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. The data compares Chrysler Town and Country insurance rates compared to other makes and models that have different performance risks.
Do thieves like your car? – Choosing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.
The quickest way to compare car insurance company rates for Chrysler Town and Country insurance in Baltimore is to know the fact most of the bigger providers will pay a fee to give free rates quotes. The one thing you need to do is provide information such as the type of vehicles you drive, your job, coverage limits, and if the vehicle is leased. Your rating data is instantly sent to all major companies and you will get price comparisons with very little delay.
To start a rate quote now, click here and enter the information requested.
The providers in the list below are ready to provide comparison quotes in Baltimore, MD. If your goal is to find cheap auto insurance in Baltimore, we recommend you visit two to three different companies to find the most competitive car insurance rates.
Auto insurance data for a Chrysler Town and Country
The premium information below covers estimates of insurance prices for Chrysler Town and Country models. Having a better idea how rate quotes are determined can be valuable when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $220 | $344 | $390 | $24 | $116 | $1,094 | $91 |
| Town and Country Touring | $248 | $418 | $390 | $24 | $116 | $1,196 | $100 |
| Town and Country Signature | $248 | $418 | $390 | $24 | $116 | $1,196 | $100 |
| Town and Country Touring Plus | $248 | $418 | $390 | $24 | $116 | $1,196 | $100 |
| Town and Country Limited | $276 | $492 | $390 | $24 | $116 | $1,298 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in garaging location in Baltimore which can impact prices substantially.
Higher deductibles save money
When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The data tables below approximate the rate differences between low and high coverage deductibles. The first data set uses a $100 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $350 | $518 | $346 | $20 | $104 | $1,363 | $114 |
| Town and Country Touring | $394 | $632 | $346 | $20 | $104 | $1,521 | $127 |
| Town and Country Signature | $394 | $632 | $346 | $20 | $104 | $1,521 | $127 |
| Town and Country Touring Plus | $394 | $632 | $346 | $20 | $104 | $1,521 | $127 |
| Town and Country Limited | $440 | $744 | $346 | $20 | $104 | $1,679 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $194 | $274 | $346 | $20 | $104 | $938 | $78 |
| Town and Country Touring | $218 | $332 | $346 | $20 | $104 | $1,020 | $85 |
| Town and Country Signature | $218 | $332 | $346 | $20 | $104 | $1,020 | $85 |
| Town and Country Touring Plus | $218 | $332 | $346 | $20 | $104 | $1,020 | $85 |
| Town and Country Limited | $244 | $392 | $346 | $20 | $104 | $1,106 | $92 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific location information which can raise or lower insurance rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $42 more each month or $504 for a full year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claims, you would probably come out ahead by going with a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $127 |
| Average monthly premium for $1,000 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
An important sidenote is that raising deductibles to save money means you pay more out-of-pocket when you have a comprehensive or collision claim. That will require enough savings in the event you need to pay the deductible.
The diagram below illustrates how choosing a deductible and can raise or lower Chrysler Town and Country annual premium costs for different age groups of insureds. The premium estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.
Chrysler Town and Country liability-only versus full coverage
The illustration below illustrates the difference between Chrysler Town and Country auto insurance costs when comparing full coverage to liability only. The premium estimates are based on no claims or driving violations, $250 deductibles, single status, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no exact rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s pretend your Chrysler Town and Country replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying your policy deductible. If it’s costing you more than $700 annually to have full coverage, then it could be time to drop full coverage.
There are a few cases where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Car insurance is not optional
Despite the potentially high cost of Chrysler Town and Country insurance, buying car insurance is required in Maryland but also provides important benefits.
- The majority of states have mandatory insurance requirements which means the state requires specific minimum amounts of liability insurance coverage in order to license the vehicle. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you took out a loan on your Chrysler Town and Country, most banks will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Chrysler at a more expensive rate and force you to reimburse them for the expensive policy.
- Car insurance preserves both your Chrysler and your assets. It will also pay for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance greatly outweigh the cost, particularly for liability claims. Unknowingly, the average driver overpays as much as $700 annually so you should quote your policy with other companies at every renewal to ensure rates are competitive.
Discounts for lower-cost car insurance quotes
Insurance can be prohibitively expensive, but you may be missing some discounts that can help lower your rates. Some of these discounts will be visible when you quote, but lesser-known reductions have to be asked for before being credited.
- Low Mileage Discounts – Keeping the miles down on your Chrysler could qualify for cheaper car insurance rates.
- Driver Training Discounts – Taking part in a safe driver course could earn you a small percentage discount and easily recoup the cost of the course.
- Baltimore Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home is proof of financial responsibility.
- Accident-Free Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on Baltimore auto insurance quote as opposed to accident-prone drivers.
- Auto/Home Discount – When you have multiple policies with one company you may save at least 10 to 15 percent or more.
Don’t be surprised that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.
The illustration below illustrates the difference between Chrysler Town and Country insurance costs with and without some available policy discounts. The data is based on a male driver, no accidents or driving violations, Maryland state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-car, safe-driver, and multi-policy discounts applied.
If you would like to view car insurance companies that provide some of the discounts listed above in Maryland, click here to view.
Should I talk to an insurance agent?
Certain consumers still like to buy from a licensed agent and that can be a great decision Most agents can answer important questions and will help you if you have claims. An additional benefit of comparing insurance prices online is the fact that drivers can get cheap car insurance quotes and still have a local agent.
For easy comparison, once you complete this quick form, your insurance coverage information is emailed to agents in your area that give free quotes for your insurance coverage. You won’t need to drive around because prices are sent immediately to you. In the event you want to compare rates from a particular provider, don’t hesitate to go to their quote page and complete a quote there.
Picking an company requires you to look at more than just a cheap price. Some important questions to ask are:
- How many companies do they write for?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Is insurance their full-time profession?
- Does the company allow you to choose your own collision repair facility?
- Do they assist clients in filing claims?
- Does the agency have a current Errors and Omissions policy?
- Will their companies depreciate repairs to your car based on the mileage?
How to choose the best car insurance agent in Baltimore
If you prefer to buy car insurance from a reputable agency, there are two different types of agencies and how they can write your policy. Car insurance policy providers can be categorized as either exclusive or independent agents depending on their company appointments. Either one can insure your vehicles, but it’s worth mentioning the difference in how they write coverage because it can influence buying decisions.
Exclusive Agencies
These type of agents can only provide pricing for a single company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive insurance agents are well trained on what they offer which helps them compete with independent agents.
Below is a list of exclusive insurance agencies in Baltimore willing to provide price quotes.
Valerie Cherry – State Farm Insurance Agent
6800 York Road – Baltimore, MD 21212 – (410) 435-6600 – View Map
John Stein – State Farm Insurance Agent
6630 Baltimore National Pike #100b – Baltimore, MD 21228 – (410) 744-7733 – View Map
Charmaine Barnes – State Farm Insurance Agent
900 S Ellwood Ave – Baltimore, MD 21224 – (410) 675-1900 – View Map
Independent Car Insurance Agents
Agents that elect to be independent are not required to write business for one company and that is an advantage because they can write policies through lots of different companies and find the cheapest car insurance rates. If prices rise, the business is moved internally which requires no work on your part. If you are trying to find cheaper rates, you need to get quotes from at least one independent agent in order to have the best price comparison.
The following is a list of independent insurance agencies in Baltimore that can give you comparison quotes.
Kirby Insurance Agency, Inc.
14 W Saratoga St #100 – Baltimore, MD 21201 – (410) 837-2320 – View Map
Hill Point Insurance LLC
1400 S Charles St – Baltimore, MD 21230 – (410) 779-9272 – View Map
Mason and Carter Inc
23 South St – Baltimore, MD 21202 – (410) 539-6767 – View Map
How much auto insurance do I need?
When it comes to buying the right insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is a little different so this has to be addressed.
Here are some questions about coverages that may help highlight if your situation will benefit from professional help.
- Who is covered by my policy?
- When should my teen driver be added to my policy?
- Is my Chrysler Town and Country covered for smoke damage?
- If I drive on a suspended license am I covered?
- Am I covered by my spouse’s policy after a separation?
- When would I need rental car insurance?
- Can I get by with minimal medical coverage if I have good health insurance?
- What if an uninsured driver hits me?
- Can my teen drive my company car?
- Do I need replacement cost coverage?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
In Summary
We’ve covered many tips how you can reduce Chrysler Town and Country insurance rates online in Baltimore. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with a small local company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
When getting Baltimore auto insurance quotes online, don’t be tempted to reduce needed coverages to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible for the lowest price and still be able to protect your assets.
Steps to finding discount Chrysler Town and Country insurance in Baltimore
Really, the only way to find low-cost auto insurance rates in Baltimore is to start comparing rates regularly from different companies in Maryland.
- Get a basic knowledge of auto insurance and the steps you can take to prevent expensive coverage. Many rating criteria that drive up the price like accidents, careless driving, and a negative credit history can be amended by making small lifestyle or driving habit changes.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agents can provide rate quotes from multiple sources.
- Compare the quotes to your existing policy and see if you can save money. If you can save some money and switch companies, make sure coverage is continuous and does not lapse.
One bit of advice is to make sure you enter the same level of coverage on each quote and and to get rate quotes from as many companies as feasibly possible. This helps ensure a fair price comparison and a thorough price selection.
Additional car insurance information is available at these links:
- Coverage Information (Progressive Insurance)
- Who Has the Cheapest Baltimore Car Insurance Quotes for a Honda Pilot? (FAQ)
- Who Has Affordable Baltimore Car Insurance for a GMC Sierra? (FAQ)
- Who Has Affordable Baltimore Auto Insurance for Veterans? (FAQ)
- What is the Cheapest Auto Insurance in Baltimore, Maryland? (FAQ)
- What Insurance is Cheapest for Young Drivers in Baltimore? (FAQ)
- Who Has Cheap Auto Insurance for a Kia Optima in Baltimore? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Choosing an Insurance Company (Insurance Information Institute)