Trying to find cheaper insurance for a new or used Chrysler Town and Country in Michigan can turn out to be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to compare car insurance rates and you need to know the absolute fastest way to quote coverages on a Chrysler and locate the best price possible.
It’s astonishing, but a large majority of car insurance policyholders have purchased from the same company for four years or more, and just short of a majority have never compared rates with other companies. With the average car insurance premium being $6,300, Michigan drivers could save an average of almost $3,836 each year, but most tend to underestimate how much savings they would realize if they moved their coverage to a different company.
Choosing the best insurance company for you in Detroit is actually quite easy if you know where to start. If you already have coverage or are looking for a new policy, you can use these techniques to find better prices and still have adequate protection. Vehicle owners only need to know the most efficient way to compare company rates using one simple form.
How Insurance Providers Calculate Chrysler Town and Country Insurance Premiums
Many different elements are considered when quoting car insurance. Some are obvious like a motor vehicle report, but others are less obvious like where you live or your vehicle rating. When buying insurance it’s important to understand the rating factors that help calculate insurance rates. When you know what positively or negatively determines premiums, this enables informed choices that could help you find big savings.
Getting married can save you money – Having a wife or husband may cut your premiums on insurance. Having a significant other usually means you are more stable financially and statistics prove married drivers tend to file fewer claims.
Driver age impacts premiums – Older drivers are viewed as being more responsible, file fewer claims, and usually have better credit. Youthful drivers are proven to be careless and easily distracted in a vehicle therefore insurance rates are much higher.
The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
Safer cars cost less to insure – Safer cars tend to have better insurance rates. Safer cars reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates.
Is you vocation costing you more? – Occupations such as military generals, executives, and financial analysts have higher rates than average due to high stress and lots of time spent away from family. On the flip side, occupations such as scientists, athletes and performers pay the least.
Only buy extra coverages you need – Insurance companies have many extra add-on coverages that you can buy but may not be useful. Insurance for personal injury protection, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas at first, but your needs may have changed so eliminate them to save money.
Insure your auto and home with one company – Many companies will give discounts to people that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to compare Chrysler Town and Country rates in Detroit to guarantee you are still saving the most.
Drive lots and pay more – The more miles you rack up on your Chrysler every year the higher the price you pay to insure it. Most insurance companies apply a rate determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. It’s always a good idea to double check that your policy states the correct usage for each vehicle, because it can save money. A policy that improperly rates your Town and Country is just wasting money.
Compare quotes for Detroit Chrysler Town and Country insurance
Many insurance companies allow you to get pricing directly from their websites. The process is pretty painless because you just enter your coverage information as detailed in the form. After the form is submitted, their quoting system requests your driving record and credit report and provides a quote determined by many factors.
This makes it simple to compare prices and it is imperative to do this if you want to get the cheapest price.
If you want to compare pricing, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you type in the limits and deductibles as shown on your current policy. Doing this guarantees you will receive a fair comparison using the exact same coverages.
The following companies are our best choices to provide comparison quotes in Detroit, MI. To find the best cheap auto insurance in Detroit, MI, it’s highly recommended you visit several of them to get a more complete price comparison.
Chrysler Town and Country coverage analysis
The premium table below covers detailed analysis of insurance premium costs for Chrysler Town and Country models. Having insight into how insurance quotes are formulated can help customers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $582 | $1014 | $710 | $42 | $212 | $2,560 | $213 |
| Town and Country Touring | $658 | $1234 | $710 | $42 | $212 | $2,856 | $238 |
| Town and Country Signature | $658 | $1234 | $710 | $42 | $212 | $2,856 | $238 |
| Town and Country Touring Plus | $658 | $1234 | $710 | $42 | $212 | $2,856 | $238 |
| Town and Country Limited | $732 | $1454 | $710 | $42 | $212 | $3,150 | $263 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can affect insurance rates considerably.
Deductible analysis
One of the more difficult decisions when buying insurance is the level to set your comp and collision deductibles. The following insurance rates highlight the premium difference when you choose different insurance deductibles. The first data table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $594 | $882 | $586 | $34 | $176 | $2,297 | $191 |
| Town and Country Touring | $670 | $1074 | $586 | $34 | $176 | $2,565 | $214 |
| Town and Country Signature | $670 | $1074 | $586 | $34 | $176 | $2,565 | $214 |
| Town and Country Touring Plus | $670 | $1074 | $586 | $34 | $176 | $2,565 | $214 |
| Town and Country Limited | $748 | $1264 | $586 | $34 | $176 | $2,833 | $236 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $434 | $596 | $586 | $34 | $176 | $1,826 | $152 |
| Town and Country Touring | $490 | $726 | $586 | $34 | $176 | $2,012 | $168 |
| Town and Country Signature | $490 | $726 | $586 | $34 | $176 | $2,012 | $168 |
| Town and Country Touring Plus | $490 | $726 | $586 | $34 | $176 | $2,012 | $168 |
| Town and Country Limited | $546 | $854 | $586 | $34 | $176 | $2,196 | $183 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific location information which can increase or decrease auto insurance rates noticeably.
Based on the above data, using a $100 deductible could cost the average driver approximately $46 more each month or $552 every year across all Chrysler Town and Country models than requesting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 9 months between claim filings, you would probably save some money if you opt for a higher deductible.
The example below highlights how deductible selection and can change Chrysler Town and Country yearly insurance costs for different age categories. The costs are based on a single female driver, full coverage, and no policy discounts are applied.
Impact of citations and accidents on insurance rates
The information below shows how violations and at-fault collisions increase Chrysler Town and Country yearly insurance costs for different age groups. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.
Men versus women drivers and insurance cost
The illustration below shows the comparison of Chrysler Town and Country insurance rates for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Chrysler Town and Country liability rates compared to full coverage
The information below shows the difference between Chrysler Town and Country insurance prices with and without full coverage. The price estimates are based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive formula for excluding physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s assume your Chrysler Town and Country claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after paying the physical damage deductible. If premium cost is more than $300 a year for full coverage, then you might want to think about dropping full coverage.
There are a few situations where dropping full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.
Why do I need car insurance?
Despite the high cost, buying insurance may be required for several reasons.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to drive the car legally. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Chrysler Town and Country, it’s most likely the lender will require that you have comprehensive coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender may have to buy a policy to insure your Chrysler at an extremely high rate and force you to pay the higher price.
- Insurance safeguards not only your Chrysler Town and Country but also your assets. It also can pay for hospital and medical expenses that are the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are definitely more than the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $820 a year so you should quote rates once a year at a minimum to make sure the price is not too high.
Do you qualify for discounts on Chrysler Town and Country insurance in Detroit?
Companies offering auto insurance don’t list all available discounts very well, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving when you buy Detroit auto insurance online.
- Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
- Good Student – This discount may save as much as 25% on a Detroit auto insurance quote. Many companies even apply the discount to college students until age 25.
- Detroit Homeowners Pay Less – Owning a home in Detroit can get you a discount because owning a home is proof that your finances are in order.
- Multiple Cars – Purchasing coverage when you have multiple vehicles on one policy can reduce the rates for all insured vehicles.
- Professional Organizations – Belonging to certain professional organizations could trigger savings when shopping for auto insurance.
- Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
- Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle is cheaper because new model year vehicles have to meet stringent safety requirements.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky.
The diagram below visualizes the comparison of Chrysler Town and Country car insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no accidents or driving violations, Michigan state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.
A few popular companies and a partial list of their discounts include:
- Progressive has savings for online quote discount, good student, multi-vehicle, multi-policy, online signing, and continuous coverage.
- Farmers Insurance may have discounts that include multi-car, early shopping, alternative fuel, youthful driver, and good student.
- Farm Bureau includes discounts for safe driver, renewal discount, 55 and retired, driver training, and multi-policy.
- State Farm offers premium reductions for accident-free, anti-theft, multiple policy, Drive Safe & Save, passive restraint, defensive driving training, and driver’s education.
- GEICO offers discounts for seat belt use, anti-theft, anti-lock brakes, multi-policy, and driver training.
- SAFECO discounts include homeowner, safe driver, teen safety rewards, teen safe driver, drive less, and bundle discounts.
- Liberty Mutual may offer discounts for new vehicle discount, teen driver discount, preferred payment discount, multi-car, new move discount, and exclusive group savings.
Before you buy a policy, ask every prospective company which credits you are entitled to. All car insurance discounts may not apply to policyholders in every state. To choose insurers with significant discounts in Michigan, click here.
Are insurance agents used anymore?
Many people would rather get advice from a local agent and doing that can be a smart decision Good insurance agents can point out coverage gaps and help in the event of a claim. One of the benefits of comparing rates online is you can get cheap auto insurance quotes and still choose a local agent.
To help locate an agent, after submitting this short form, your information gets sent to local insurance agents in Detroit who will give you bids and help you find cheaper coverage. There is no reason to do any legwork because quoted prices will be sent to you directly. If you have a need to compare rates from a particular provider, just search and find their rate quote page and submit a quote form there.
Deciding on an insurance company should include more criteria than just the price. Here are some questions you might want to ask.
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the agency covered by Errors and Omissions coverage?
- By raising physical damage deductibles, how much would you save?
- Will you get a loaner vehicle if you car is being repaired?
- Will you work with the agent or an assistant?
- How long has the business existed?
- Do they feel the quoted coverages are adequate?
Pick the best auto insurance agent in Detroit for you
When looking for a local Detroit insurance agent, you must know there are a couple different types of agencies and how they work. Agencies in Detroit are categorized either independent agents or exclusive agents depending on their employer. Both write policy coverage, but it’s important to know why they differ because it can factor into buying decisions.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only provide one company’s prices such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide other company’s prices so you might not find the best rates. They are usually quite knowledgeable on their products and sales techniques which can be an advantage. Consumers sometimes choose to use a exclusive agent mainly due to the brand name rather than having low rates.
The following is a list of exclusive agencies in Detroit willing to provide price quotes.
- PD Dandnaik – State Farm Insurance Agent
W, 7725 Vernor Hwy – Detroit, MI 48209 – (313) 554-1500 – View Map - Michelle Sims – State Farm Insurance Agent
24970 W Outer Dr – Lincoln Park, MI 48146 – (313) 928-1348 – View Map - Charlotte Knight – State Farm Insurance Agent
7100 W Seven Mile Rd – Detroit, MI 48221 – (313) 340-9000 – View Map
Independent Auto Insurance Agents
Independent insurance agents do not work for one specific company and that allows them to write policies amongst many companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can just switch to a different company and the insured can keep the same agent. When comparison shopping, it’s recommended you include price quotes from a few independent agents to get the best comparison. Many independent agencies also insure through smaller mutual companies that may provide cheaper auto insurance rates.
Below are Detroit independent agencies who can help you get rate quotes.
- Thomas L Whatley Agency Inc
14710 Puritan Ave – Detroit, MI 48227 – (313) 272-5955 – View Map - C B Irwin Insurance
2357 W Grand Blvd – Detroit, MI 48208 – (313) 894-2144 – View Map - L.A. Insurance Agency 150
14701 Mack Ave – Detroit, MI 48215 – (313) 884-8888 – View Map
The best insurance company isn’t always the cheapest
As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced collision coverage and learned later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.
We just showed you many tips how you can compare Chrysler Town and Country insurance rates in Detroit. The key thing to remember is the more you quote Detroit auto insurance, the better chance you’ll have of finding inexpensive Detroit auto insurance quotes. Drivers may even discover the best rates are with a company that doesn’t do a lot of advertising.
Insureds switch companies for any number of reasons including denial of a claim, unfair underwriting practices, questionable increases in premium and being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.
How to buy discount Chrysler Town and Country insurance in Detroit
If saving the most money is your goal, then the best way to get cheaper Chrysler Town and Country insurance in Detroit is to compare prices at least once a year from companies that insure vehicles in Michigan.
- First, spend some time learning about how auto insurance works and the changes you can make to prevent high rates. Many risk factors that increase rates such as at-fault accidents, careless driving, and a poor credit rating can be controlled by making lifestyle changes or driving safer.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide prices for many different companies.
- Third, compare the new rate quotes to your current policy to determine if you can save on Town and Country insurance. If you find a better price and buy the policy, ensure coverage does not lapse between policies.
- Fourth, notify your current company of your decision to cancel your existing policy. Submit payment along with a signed and completed policy application for the new coverage. Make sure you safely store the proof of insurance paperwork somewhere easily accessible.
An important note is that you use similar limits and deductibles on each quote and and to get quotes from as many auto insurance providers as possible. Doing this provides a level playing field and a thorough selection of prices.
More information
- Side Impact Crash Tests (iihs.org)
- How Much is Car Insurance for a Toyota Corolla in Detroit? (FAQ)
- Who Has Cheap Detroit Car Insurance for a Learners Permit? (FAQ)
- Who Has the Cheapest Detroit Car Insurance Quotes for Drivers Under 25? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Honda Accord in Detroit? (FAQ)
- How Much are Auto Insurance Quotes for a Company Car in Detroit? (FAQ)
- What Insurance is Cheapest for 18 Year Olds in Detroit? (FAQ)
- Who Has Affordable Detroit Auto Insurance for Uninsured Drivers? (FAQ)
- What Car Insurance is Cheapest for Hybrid Vehicles in Detroit? (FAQ)
- Who Has Cheap Detroit Auto Insurance for College Graduates? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)