Are you researching more competitive Chrysler Town and Country insurance in Denver? Locating budget Denver Chrysler Town and Country insurance quotes over the internet is rather difficult for vehicle owners new to comparing prices over the internet. With literally dozens of online companies, how can Denver drivers have the ability to compare every company to locate the best available price?
Amazlingly, a recent NerdWallet.com study showed that the vast majority of consumers kept their policy with the same company for more than four years, and virtually 40% of consumers have never compared auto insurance rates at all. Colorado drivers can save 35% each year just by comparing rates, but they just don’t want to shop their coverage around.
If you already have coverage, you will be able to save money using these tips. The purpose of this post is to help educate you on how auto insurance companies operate and some money-saving tips. But Colorado vehicle owners need to learn the way companies price insurance differently because rates fluctuate considerably.
Cheap companies for Chrysler Town and Country insurance
The companies shown below are ready to provide comparison quotes in Denver, CO. If multiple providers are shown, it’s highly recommended you compare several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $246 | $346 | $308 | $18 | $92 | $1,010 | $84 |
| Town and Country Touring | $186 | $330 | $362 | $22 | $108 | $1,008 | $84 |
| Town and Country Signature | $300 | $526 | $362 | $22 | $108 | $1,318 | $110 |
| Town and Country Touring Plus | $244 | $424 | $362 | $22 | $108 | $1,160 | $97 |
| Town and Country Limited | $204 | $332 | $304 | $18 | $92 | $950 | $79 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in zip code location which can affect auto insurance rates significantly.
Should you buy full coverage?
The example below illustrates the difference between Chrysler Town and Country insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Colorado. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, married female driver, and no discounts are factored in.
Guidelines for eliminating full coverage
There is no set rule to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Chrysler Town and Country replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the deductible is paid. If premiums are more than $300 annually for full coverage, then you might want to consider buying only liability coverage.
There are some cases where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Impact of violations and accidents on rates
The information below illustrates how speeding tickets and at-fault fender-benders drive up Chrysler Town and Country annual premium costs for different age groups. The data assumes a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
Physical damage deductibles
One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The comparison tables below determine how much more rates are between low and high physical damage deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $302 | $448 | $298 | $18 | $90 | $1,181 | $98 |
| Town and Country Touring | $342 | $546 | $298 | $18 | $90 | $1,319 | $110 |
| Town and Country Signature | $342 | $546 | $298 | $18 | $90 | $1,319 | $110 |
| Town and Country Touring Plus | $342 | $546 | $298 | $18 | $90 | $1,319 | $110 |
| Town and Country Limited | $380 | $644 | $298 | $18 | $90 | $1,455 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $168 | $236 | $298 | $18 | $90 | $810 | $68 |
| Town and Country Touring | $190 | $288 | $298 | $18 | $90 | $884 | $74 |
| Town and Country Signature | $190 | $288 | $298 | $18 | $90 | $884 | $74 |
| Town and Country Touring Plus | $190 | $288 | $298 | $18 | $90 | $884 | $74 |
| Town and Country Limited | $210 | $340 | $298 | $18 | $90 | $956 | $80 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can lower or raise price quotes greatly.
Based on the above data, using a $100 deductible costs approximately $36 more each month or $432 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 25 months between claims, you would save money if you elect the higher deductible.
How You Can Control Chrysler Town and Country Insurance Costs
Multiple criteria are used when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are less apparent like where you live and annual miles driven.
- Youthful driver insurance costs – Older drivers have been proven to be more responsible, cost insurance companies less in claims, and usually have better credit.Beginning drivers tend to be more careless when at the wheel of a vehicle so car insurance rates are higher.
- Car insurance policy lapses increase prices – Not maintaining insurance can get your license suspended and your next policy will cost more because you let your insurance coverage expire. Not only will you pay more, not being able to provide proof of insurance can result in a license revocation or jail time.
- Better car insurance rates with anti-theft devices – Buying a car with a theft deterrent system can earn a premium discount. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
- Occupation stress can affect prices – Did you know your job can affect your rates? Careers like real estate brokers, air traffic controllers, and miners usually pay higher rates than average due to intense work situations and incredibly demanding work hours. On the flip side, careers such as professors, students and performers have lower than average premiums.
- Safety ratings are a factor – Safer cars can get you lower premiums. Vehicles built for safety protect occupants better and better occupant protection translates into savings for insurance companies which can mean better rates for you. If your Chrysler Town and Country has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
- If you don’t need it don’t buy it – There are a ton of add-on coverages that you can buy if you don’t pay attention. Coverage for things like rental car coverage, better glass coverage, and motor club memberships may be wasting your money. These coverages may sound good when talking to your agent, but if you have no use for them consider taking them off your policy.
- Drive fewer miles and save – The more miles you rack up on your Chrysler annually the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Autos left parked in the garage receive better premium rates than cars that get driven a lot. Having an incorrect usage rating on your Town and Country is just wasting money. Double check that your declarations sheet is rated on the correct driver usage.
- Get a ticket, pay higher rates – Being a careful driver influences premium rates substantially. Attentive drivers get better prices as compared to those with violations. Even a single citation can increase rates forty percent or more. Drivers who have gotten license-revoking violations such as DUI or reckless driving may be required to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive.
Chrysler Town and Country insurance discounts in Denver
The price of auto insurance can be rather high, but you may find discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be specifically requested before being credited.
- 55 and Retired – If you qualify as a senior citizen, you could receive a slight reduction on a Denver auto insurance quote.
- Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Discount for Life Insurance – Select insurance carriers reward you with a small discount if you purchase life insurance.
- Good Students Pay Less – Getting good grades can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
- Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote Denver auto insurance depending on your company.
A quick disclaimer, most credits do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Just because you may think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts will positively reduce the premium cost.
A few popular companies and some of the discounts are detailed below.
- Farm Bureau has discounts for good student, youthful driver, driver training, safe driver, multi-policy, and multi-vehicle.
- MetLife discounts include good student, multi-policy, good driver, claim-free, accident-free, and defensive driver.
- Progressive may include discounts for multi-policy, online quote discount, multi-vehicle, homeowner, online signing, and good student.
- AAA offers discounts for multi-policy, education and occupation, anti-theft, good student, multi-car, good driver, and AAA membership discount.
- American Family includes discounts for mySafetyValet, good student, TimeAway discount, accident-free, good driver, Steer into Savings, and air bags.
- GEICO may have discounts that include military active duty, driver training, federal employee, good student, and membership and employees.
- State Farm has savings for defensive driving training, Steer Clear safe driver discount, accident-free, student away at school, and multiple policy.
When quoting, ask all the companies the best way to save money. Discounts might not apply in Denver. For a list of insurance companies with the best discounts in Colorado, click here.
Getting quotes from local Denver car insurance agents
Many people still like to buy from a licensed agent and there is nothing wrong with that. One of the benefits of comparing rate quotes online is you can get cheaper auto insurance rates and still choose a local agent. Buying insurance from neighborhood insurance agencies is still important in Denver.
Upon completion of this quick form, the quote information gets sent to local insurance agents in Denver who can give free rate quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies since price quotes are sent straight to your inbox. You’ll get the best rates and a licensed agent to work with. If you wish to get a rate quote from a specific company, just visit that company’s website and complete a quote there.
Pick the best car insurance agent in Denver for you
If you would like to find a good Denver insurance agent, there are a couple of types of insurance agents and how they differ in how they quote coverages. Insurance agencies in Denver can either be exclusive agents or independent agents.
Independent Agents (or Brokers)
Agents that choose to be independent do not have single company limitations so they can write business with any number of different companies and possibly get better coverage at lower prices. If premiums increase, an independent agent can move your coverage and you won’t have to switch agencies. If you are comparing rate quotes, you should always get several quotes from independent agents for the best price selection. Many write coverage with small mutual carriers which may have better rates.
Shown below is a small list of independent agents in Denver who can help you get comparison quotes.
- Mile High Insurance Agency
4704 Harlan St #360 – Denver, CO 80212 – (303) 237-5445 – View Map - Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map - Madison Insurance Group
600 S Cherry St #900 – Denver, CO 80246 – (800) 636-6185 – View Map
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. These agents are usually well trained in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes use the same agent mainly due to the brand and the convenience of having a single billing for all their coverages.
The following is a list of exclusive insurance agents in Denver that can give you price quote information.
- Allstate Insurance: Charles F. Simmons
797 S Pearl St – Denver, CO 80209 – (303) 722-0191 – View Map - Farmers Insurance Agent Mike
I-25 – Denver, CO 80231 – (303) 752-2900 – View Map - Farmers Insurance – James Lundin
1490 N Lafayette St #302b – Denver, CO 80218 – (303) 433-4542 – View Map
Choosing the best insurance agency should depend on more than just a cheap price. Some important questions to ask are:
- Are there any extra charges for paying monthly?
- If you raise deductibles, how much can you save?
- Do they offer claims assistance after hours?
- Will one accident increase rates?
- How experienced are they in personal risk management?
- Is the coverage adequate for your vehicle?
Buyer beware of car insurance advertising tricks
Respected companies like GEICO, State Farm and Progressive continually stream television, radio, and online ads. They all seem to have a common claim that you can save if you switch to their company. How is it possible that every company can give you a lower rate on Chrysler Town and Country insurance in Denver? You have to listen carefully.
Insurance providers provide the lowest rates for the type of customer that earns them the highest profit. A good example of a preferred risk might be between the ages of 30 and 50, has never had a claim, and drives a car with an anti-theft system. A customer getting a price quote that hits that “sweet spot” will probably get the lowest auto insurance rates and most likely will save a lot on Denver Chrysler Town and Country insurance if they switch.
Potential customers who may not quite match these standards must pay higher rates and this can result in business going elsewhere. If you pay close attention to the ads, they say “people that switch” but not “everyone who gets a quote” save money. That’s why companies can truthfully make those claims.
Different companies use different criteria so drivers must compare price quotes frequently. It’s impossible to know which insurance companies will give you lower auto insurance rates than your current company.
Auto insurance savings summarized
When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone sacrificed liability coverage limits only to regret that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.
We just covered many ideas to find cheap Chrysler Town and Country insurance in Denver. The key thing to remember is the more companies you get rates for, the higher your chance of finding affordable Denver auto insurance quotes. Consumers may even find the best prices are with a smaller regional carrier.
Consumers switch companies for many reasons like high rates after DUI convictions, unfair underwriting practices, policy non-renewal or lack of trust in their agent. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.
More information
- Teen Driver Licensing Information (iihs.org)
- What Auto Insurance is Cheapest for Drivers with Accidents in Denver? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Female in Denver? (FAQ)
- Who Has Cheap Auto Insurance Rates for 16 Year Olds in Denver? (FAQ)
- Who Has Cheap Auto Insurance Rates for Infrequent Drivers in Denver? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Distracted Driving (Insurance Information Institute)
- Speed and Speed Limit FAQ (iihs.org)
- How do I File a Claim? (Insurance Information Institute)