Shockingly, most consumers in Oklahoma have remained with the same auto insurance company for four years or more, and just under half have never even compared quotes to find affordable rates. American consumers could save an average of as much as 47% each year, but they don’t want to spend time to do a rate comparison.
It takes a little time, but the best way to find cheaper Chrysler Town and Country insurance is to start doing an annual price comparison from insurers who provide car insurance in Oklahoma City. Price quotes can be compared by following these steps.
First, try to comprehend how insurance companies determine prices and the factors you can control to keep rates down. Many rating criteria that result in higher rates such as at-fault accidents, careless driving, and an unacceptable credit history can be improved by making minor changes to your lifestyle. This article provides more information to get lower rates and find possible discounts that are available.
Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while agents who are independent can provide price quotes from many different companies.
Third, compare the quotes to your existing policy to see if you can save by switching companies. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to remember is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote and and to get price estimates from as many different insurance providers as possible. This guarantees a fair price comparison and the best price quote selection.
Many insurance companies provide coverage prices from their websites. Doing online quotes for Chrysler Town and Country insurance in Oklahoma City is quite easy as all you need to do is type in your coverage preferences on the page. Once you submit the form, their quoting system orders your driving record and credit report and gives you a price quote.
Getting online price quotes for Chrysler Town and Country insurance in Oklahoma City makes comparing rates easy, and it’s very important to do this if you want to get a lower rate.
To save time and get comparison pricing now, compare rates from the companies below. To compare your current rates, we recommend you replicate your coverages as close as possible to your current policy. This helps ensure you’re receiving rate quotes based on the exact same insurance coverage.
The following companies are our best choices to provide price comparisons in Oklahoma. If multiple providers are shown, it’s a good idea that you visit several of them to get the best price comparison.
Insuring your Chrysler vehicle just makes sense
Even though it can be expensive, paying for auto insurance may not be optional for several reasons.
First, just about all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability protection in order to drive the car legally. In Oklahoma 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 bought your Town and Country with a loan, most banks will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender will be forced to insure your Chrysler at a significantly higher premium and force you to pay the higher price.
Third, auto insurance protects your Chrysler Town and Country and your assets. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance more than cancel out the cost, particularly if you ever have a claim. The average driver in America is overpaying more than $820 a year so you should quote rates at every policy renewal to make sure the price is not too high.
Facts and figures for Chrysler Town and Country insurance
The data table shown below covers estimates of insurance policy prices for Chrysler Town and Country models. Learning as much as possible about how insurance quotes are determined is important for making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Town and Country LX||$244||$302||$500||$30||$150||$1,226||$102|
|Town and Country Touring||$276||$368||$500||$30||$150||$1,324||$110|
|Town and Country Signature||$276||$368||$500||$30||$150||$1,324||$110|
|Town and Country Touring Plus||$276||$368||$500||$30||$150||$1,324||$110|
|Town and Country Limited||$306||$432||$500||$30||$150||$1,418||$118|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific location information which can alter coverage rates significantly.
The information below highlights how deductible selection and can change Chrysler Town and Country premium costs for each age group. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Yearly car insurance costs for men versus women
The example below shows the difference between Chrysler Town and Country premium costs for male and female drivers. The information is based on no claims or violations, full coverage, $100 deductibles, single status, and no other discounts are factored in.
Cost comparison with and without full coverage
The example below shows the difference between Chrysler Town and Country insurance premiums with full physical damage coverage and with liability coverage only. The premiums assume no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop full coverage
There is no set guideline for excluding physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s pretend your Chrysler Town and Country replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after the deductible is paid. If it’s costing in excess of $700 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some situations where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
Check for these eight premium slashing discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you complete an application, but less common discounts must be asked about before you will receive the discount.
- Braking Control Discount – Vehicles with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
- Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote Oklahoma City auto insurance with select insurance companies.
- Discount for Low Mileage – Fewer annual miles on your Chrysler may enable drivers to earn substantially lower premium rates.
- Club Memberships – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a Oklahoma City auto insurance quote.
- Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a Oklahoma City auto insurance quote.
- Defensive Driver – Taking a defensive driver course can save you 5% or more and also improve your driving technique.
- No Charge for an Accident – Not a discount per se, but a few companies such as Progressive, Allstate, and GEICO will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
- E-sign – A handful of companies give back up to $50 for buying a policy and signing up online.
While discounts sound great, it’s important to understand that some of the credits will not apply to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.
The diagram below visualizes the comparison of Chrysler Town and Country car insurance rates with and without discounts applied to the premium. The premiums assume a female driver, no accidents, no driving violations, Oklahoma 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 multi-policy, safe-driver, claim-free, multi-car, homeowner, and marriage discounts applied.
Popular car insurance companies and their possible discounts are included below.
- Farmers Insurance offers discounts including bundle discounts, mature driver, alternative fuel, early shopping, and pay in full.
- State Farm may offer discounts for passive restraint, anti-theft, defensive driving training, student away at school, multiple policy, and Drive Safe & Save.
- Liberty Mutual has savings for good student, safety features, preferred payment discount, new vehicle discount, new move discount, exclusive group savings, and multi-car.
- MetLife policyholders can earn discounts including claim-free, defensive driver, accident-free, good student, good driver, and multi-policy.
- Progressive offers premium reductions for online quote discount, multi-vehicle, continuous coverage, multi-policy, good student, and online signing.
Before buying, ask each company or agent how many discounts you can get. Discounts might not apply in your state.
Local neighborhood Oklahoma City car insurance agents
Many people just prefer to buy from a licensed agent and often times that is recommended The best thing about comparing rates online is that you can find the best rates but also keep your business local. Putting coverage with small agencies is especially important in Oklahoma City.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to agents in your area who want to provide quotes for your insurance coverage. It makes it easy because there is no need to do any legwork because quoted prices will be sent straight to your inbox. You can find better rates without having to waste a lot of time. If you want to get a price quote from one company in particular, you just need to visit that company’s website and complete a quote there.
If you are wanting to purchase insurance from a local agent, you should know the different types of agencies and how they work. Insurance agents in Oklahoma City are either independent or exclusive.
Independent Insurance Agents
These agents are not required to write business for one company and that allows them to write policies with many different companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can switch companies which requires no work on your part. If you need lower rates, you will want to compare quotes from independent agents to get the best comparison. A lot of them also have access to small mutual carriers that may provide cheaper insurance rates.
Listed below are Oklahoma City independent insurance agencies that may be able to give you pricing information.
- Thomas Baste Insurance Agency
8503 S Western Ave – Oklahoma City, OK 73139 – (405) 604-5600 – View Map
- Multi Quote Insurance
2101 SW 71st St – Oklahoma City, OK 73159 – (405) 604-5999 – View Map
- Econo-Wise Insurance Agency, Inc.
2705 SW 29th St – Oklahoma City, OK 73119 – (405) 682-6699 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive work for only one company and examples are Farmers Insurance or State Farm. Exclusive agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents receive extensive training on their company’s products and that enables them to sell even at higher rates. Consumers sometimes use the same agent partially due to the brand and strong financial ratings.
Below are exclusive agents in Oklahoma City that can give you comparison quotes.
- State Farm: Vicky Richey Insurance Agency Inc
8601 S Walker Ave – Oklahoma City, OK 73139 – (405) 635-0677 – View Map
- Mai McCoy – State Farm Insurance Agent
2800 N Classen Blvd #105 – Oklahoma City, OK 73106 – (405) 524-3327 – View Map
- Terry Amacher – State Farm Insurance Agent
4509 NW 63rd St – Oklahoma City, OK 73132 – (405) 721-5500 – View Map
Selecting an auto insurance agent should include more criteria than just the bottom line cost. Here are some questions to ask:
- Do the companies they represent have a solid financial rating?
- Do they regularly work with personal auto policies in Oklahoma City?
- Will a damage claim use OEM or aftermarket replacement parts?
- How long has their agency been in business in Oklahoma City?
- Can you use your own choice of collision repair facility?
Insurance agents can help
When choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your financial needs are unique and your auto insurance should be unique as well.
For example, these questions might point out whether your personal situation could use an agent’s help.
- What is the difference between personal and commercial auto insurance policies?
- Am I covered if I wreck a rental car?
- Are my company tools covered if they get stolen?
- Are all vehicle passengers covered by medical payments coverage?
- Is my dog or cat covered if injured in an accident?
- Is motorclub coverage worth it?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
Insurance coverage basics
Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chrysler Town and Country.
Since a lot of drivers carry very low liability coverage limits (which is 25/50/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liability limits.
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, hitting a bird, a broken windshield and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like funeral costs, X-ray expenses, prosthetic devices, nursing services and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Collision coverage – Collision coverage will pay to fix damage to your Town and Country from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as backing into a parked car, damaging your car on a curb, hitting a parking meter, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your Town and Country to bring the cost down.
Auto liability – This can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for claims such as legal defense fees, medical services, attorney fees and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford. Oklahoma requires drivers to carry at least 25/50/25 but you should consider buying more liability than the minimum.
The chart below demonstrates why buying minimum limits may not provide you with enough coverage.
Quote more and you will save more
As you quote Oklahoma City auto insurance, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
In this article, we covered quite a bit of information on how to shop for Chrysler Town and Country insurance online. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even be surprised to find that the lowest premium rates are with a lesser-known regional company. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive and GEICO.
- Your Car has been Stolen: Now What? (Allstate)
- Who Has the Cheapest Auto Insurance Rates for a Chevrolet Equinox in Oklahoma City? (FAQ)
- Who Has Cheap Car Insurance Quotes for Teachers in Oklahoma City? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Highlander in Oklahoma City? (FAQ)
- How Much are Oklahoma City Auto Insurance Rates for a Honda Civic? (FAQ)
- Who Has Affordable Oklahoma City Auto Insurance for College Graduates? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Learn About Car Insurance (GEICO)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)