Would you like to stop overpaying and find the cheapest Chrysler Town and Country insurance in Phoenix? Finding cheaper insurance for a Chrysler Town and Country in Arizona could be an all-consuming task, but you can use our auto insurance buying tips to save time.
There is a better way to shop for auto insurance and we’ll show you the proper way to quote coverages for your Chrysler and get the best price possible from Phoenix insurance agents and online providers.
You should make it a habit to compare rates quite often because rates are constantly changing. Even if you got the best premium rates on Chrysler Town and Country insurance in Phoenix two years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re going to get a crash course in one of the quickest ways to reduce your cost while increasing coverage.
The companies shown below offer price comparisons in Arizona. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Town and Country LX||$264||$320||$334||$20||$100||$1,038||$87|
|Town and Country Touring||$156||$240||$260||$16||$78||$750||$63|
|Town and Country Signature||$194||$290||$262||$16||$78||$840||$70|
|Town and Country Touring Plus||$264||$428||$262||$16||$78||$1,048||$87|
|Town and Country Limited||$270||$370||$334||$20||$100||$1,094||$91|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can modify auto insurance rates considerably.
Where to set your deductibles
The diagram below highlights how deductible selection and can increase or decrease Chrysler Town and Country insurance premiums for different age groups. The prices are based on a single male driver, full physical damage coverage, and no policy discounts are applied.
Males versus Females
The diagram below shows the comparison of Chrysler Town and Country premium costs for male and female drivers. The price estimates are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.
Buying the right Chrysler vehicle insurance in Arizona is an important decision
Even though it can be expensive, maintaining insurance is mandatory in Arizona but it also protects more than you think.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Town and Country has a loan, it’s guaranteed your bank will have a requirement that you have physical damage coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank may insure your Chrysler at a significantly higher premium and require you to fork over much more than you were paying before.
- Insurance safeguards not only your Chrysler but also your financial assets. It also can pay for medical transport and hospital expenses incurred in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If you have damage to your Chrysler as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. An average driver in America is wasting up to $869 every year so it’s important to compare rates once a year at a minimum to save money.
Companies offer money-saving discounts on Chrysler Town and Country insurance in Phoenix
Not too many consumers would say car insurance is affordable, but there could be available discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but some need to be inquired about before being credited.
- One Accident Forgiven – This one is not really a discount per se, but some companies like State Farm, Progressive and GEICO will turn a blind eye to one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
- Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
- Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
- Use Seat Belts – Buckling up and requiring all passengers to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
- 55 and Retired – Seniors are able to get a small discount on rates.
- Federal Government Employee – Federal government employees could cut as much as 10% off but check with your company.
- Discounts for New Vehicles – Buying a new car instead of a used Town and Country can save you some money since newer models have better safety ratings.
- Defensive Driver – Passing a driver safety course can save you 5% or more and easily recoup the cost of the course.
We need to note that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride.
Large car insurance companies and some of the discounts are included below.
- Farmers Insurance may have discounts that include multi-car, good student, business and professional, teen driver, distant student, and mature driver.
- Esurance may include discounts for anti-theft, online quote, homeowner, good driver, online shopper, emergency road assistance, and claim free.
- State Farm discounts include anti-theft, driver’s education, Steer Clear safe driver discount, good student, accident-free, good driver, and Drive Safe & Save.
- GEICO has discounts for emergency military deployment, military active duty, anti-lock brakes, seat belt use, anti-theft, and daytime running lights.
- Allstate includes discounts for early signing, safe driver, resident student, anti-lock brakes, and new car.
If you are trying to find the cheapest Chrysler Town and Country rate quotes, ask each company or agent to give you their best rates. Some discounts listed above may not be available in every state. To see a list of car insurance companies with significant discounts in Arizona, follow this link.
When do I need to contact a local insurance agent?
Certain consumers just want to sit down with an agent and often times that is recommended Experienced insurance agents can help you choose the best coverages and help you file claims. An additional benefit of getting free rate quotes online is that you can find cheaper premium rates and still choose a local agent. Supporting neighborhood agents is important particularly in Phoenix.
To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to insurance agents in Phoenix who want to provide quotes to get your business. You don’t have to leave your house since price quotes are sent to you instantly. In the event you want to compare rates from a particular provider, you would need to visit that company’s website and fill out the quote form the provide.
If you want to buy car insurance from an insurance agent, you must know there are a couple types of agencies and how they work. Car insurance policy providers can either be exclusive or independent. Both types can sell affordable car insurance policies, but it’s good to learn the difference between them since it may influence the selection process.
Independent Car Insurance Agencies or Brokers
These agents are normally appointed by many insurers so they can insure your vehicles through lots of different companies and find the cheapest car insurance rates. If they quote lower rates, an independent agent can move your coverage and you can keep the same agent. When searching for an agent, we recommend you get rate quotes from at least one independent agent to ensure the widest selection of prices. They often place coverage with small mutual carriers that can offer cheaper rates than bigger companies.
Listed below are Phoenix independent agencies that may be able to give competitive price quotes.
- Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map
- Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
Exclusive Car Insurance Agencies
Exclusive agencies generally can only insure with one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive agencies are highly trained on their products and sales techniques which aids in selling service over price. Some people will only use the same agent mainly due to high brand loyalty rather than having the cheapest rates.
Below is a list of exclusive insurance agencies in Phoenix that are able to give price quote information.
- Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 – View Map
- Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map
- Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map
Choosing an car insurance agent requires you to look at more than just a low price. Agents should be asked these questions:
- What are their preferred companies if they are an independent agency?
- How are claims handled?
- Will their companies depreciate repairs to your car based on the mileage?
- Can glass repairs be made at your home?
- Will the agent or a CSR service your policy?
- Does the agency support the community they serve?
Coverages available on your policy
Knowing the specifics of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (15/30/10), their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hitting a deer, falling objects, damage from flooding, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability auto insurance
This can cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for claims such as emergency aid, pain and suffering, repair bills for other people’s vehicles, court costs and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more liability than the minimum.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage reimburse you for immediate expenses for things like surgery, funeral costs, pain medications and EMT expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible on your Town and Country to bring the cost down.
Persistence is the key to cheap rates
We just showed you many ways to lower your Chrysler Town and Country insurance prices in Phoenix. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even be surprised to find that the best prices are with an unexpected company.
As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits only to discover later they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.
People switch companies for a number of reasons such as policy cancellation, not issuing a premium refund, delays in paying claims or poor customer service. No matter why you want to switch, finding a great new company is easier than you think.
Much more information about insurance in Arizona can be read on the following sites:
- Should I Buy a New or Used Car? (Allstate)
- Who Has the Cheapest Auto Insurance Rates for a School Permit in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Business Use in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance for Handicapped Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Uber Drivers in Phoenix? (FAQ)
- How Much is Auto Insurance for a Company Car in Phoenix? (FAQ)
- Older Drivers FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- Auto Theft Statistics (Insurance Information Institute)