Locating the cheapest insurance for a Chrysler Town and Country in California can turn out to be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.
There are both good and bad ways to shop for car insurance so you’re going to learn the absolute fastest way to price shop coverage for your Chrysler and obtain the lowest price either online or from Fresno insurance agents.
It’s a great practice to compare rates periodically because car insurance prices are usually higher with each renewal. Just because you had the lowest rates on Chrysler Town and Country insurance in Fresno on your last policy a different company probably has better rate quotes today. Block out anything you think you know about car insurance because we’re going to demonstrate the best way to properly buy coverages while reducing your premium.
If you have insurance now or are looking for a new policy, use these money-saving tips to get lower rates while maximizing coverage. Obtaining price quotes for affordable policy in Fresno is not as confusing as people think. Drivers only need an understanding of the most efficient way to get comparison quotes from many different companies.
The majority of larger companies make it easy to get prices on the web. Comparing prices online for Chrysler Town and Country insurance in Fresno is pretty painless as you just enter the coverage amounts you desire into a form. When the form is submitted, their rating system makes automated requests for your driving and credit reports and returns a price.
Quoting online for Chrysler Town and Country insurance in Fresno makes it simple to compare prices and it is imperative to compare as many rates as possible in order to get the most affordable premium possible.
To save time and compare rates now, compare quotes from the companies shown below. If you have a policy now, it’s recommended you copy the coverage information exactly as shown on your declarations page. This way, you are getting comparison quotes based on the exact same insurance coverage.
The providers in the list below are our best choices to provide price comparisons in Fresno, CA. If you want the best cheap car insurance in CA, we recommend you get prices from several of them to get the cheapest price.
Don’t neglect these rate reducing discounts
Companies do not list every possible discount very well, so the below list has a few of the more common and also the more inconspicuous credits that you can use to lower your rates. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.
- Home Ownership Discount – Owning a house in Fresno can save a few bucks because of the fact that having a home is proof that your finances are in order.
- Anti-theft Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
- Low Miles Discount – Low mileage vehicles could qualify for better rates on cars that stay parked.
- Claim Free – Insureds who avoid accidents and claims have much lower rates when compared to bad drivers.
- ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
Discounts lower rates, but many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will reduce your premiums.
The diagram below shows the difference between Chrysler Town and Country insurance prices with and without discounts applied to the policy premium. The prices are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, homeowner, and claim-free discounts applied.
If you would like to view providers with the best Chrysler Town and Country insurance discounts in Fresno in Fresno, click here to view.
Coverage statistics and figures
The information displayed next showcases different insurance rates for Chrysler Town and Country models. Having knowledge of how insurance quotes are formulated helps drivers make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $328 | $534 | $488 | $28 | $146 | $1,524 | $127 |
| Town and Country Touring | $370 | $650 | $488 | $28 | $146 | $1,682 | $140 |
| Town and Country Signature | $370 | $650 | $488 | $28 | $146 | $1,682 | $140 |
| Town and Country Touring Plus | $370 | $650 | $488 | $28 | $146 | $1,682 | $140 |
| Town and Country Limited | $412 | $766 | $488 | $28 | $146 | $1,840 | $153 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in garaging location in Fresno which can decrease or increase insurance rates considerably.
How careless driving impacts auto insurance rates
The example below illustrates how speeding tickets and accidents drive up Chrysler Town and Country insurance prices for different age groups of insureds. The costs are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Cost of full coverage in Fresno
The diagram below shows the difference between Chrysler Town and Country auto insurance costs with and without full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no other discounts are factored in.
When to stop buying full coverage
There is no written rule that is best for determining when to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Chrysler Town and Country book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are paying over $500 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
When to get advice from an insurance agent
Certain consumers still like to go talk to an agent and that is just fine! Most agents can point out coverage gaps and will help you if you have claims. A nice benefit of getting online price quotes is you can get the lowest rates and also buy local. Buying from and supporting local insurance agencies is definitely important in Fresno.
By using this form (opens in new window), the quote information gets sent to local insurance agents who will give you bids for your insurance coverage. There is no need to leave your house as quotes are delivered directly to your email. If for some reason you want to quote rates from a specific insurance company, you would need to jump over to their website and fill out the quote form the provide.
Exclusive and independent Fresno auto insurance agents
If you need to find a good insurance agency, there are a couple of types of insurance agents and how they operate. Agents in Fresno can be described as either independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but we need to point out the difference in the companies they write for since it can impact the selection process.
Independent Auto Insurance Agents (or Brokers)
These agents are not required to write business for one company so as a result can place your coverage through many companies and get the cheapest rates. If they find a lower price, they simply move the coverage in-house and you stay with the same agent. When searching for an agent, it’s a good idea to get rate quotes from at least one independent agent so that you can do a thorough price comparison. Most also write with companies you’ve never heard of that may have much lower rates than larger companies.
Shown below are independent agencies in Fresno that may be able to give you competitive price quotes.
- United Valley Insurance – Easton
5722 S Elm Ave – Fresno, CA 93706 – (559) 268-8813 – View Map - New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map - Reza Sarkhosh Insurance Agency, Inc.
2491 W Shaw Ave #124 – Fresno, CA 93711 – (559) 243-9000 – View Map
Exclusive Insurance Agents
Agents of this type can usually just insure with one company such as State Farm, Allstate, or Farmers Insurance. They generally cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled in insurance sales which helps them sell on service rather than price. Consumers sometimes use the same agent mostly because of the brand legacy rather than low price.
Listed below is a list of exclusive agencies in Fresno that are able to give price quotes.
- Dick Wallace – State Farm Insurance Agent
4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501 – View Map - Rufino Paguio – State Farm Insurance Agent
5637 W Figarden Dr #108 – Fresno, CA 93722 – (559) 277-1903 – View Map - Allstate Insurance: David Frisby
1625 E Shaw Ave #148 – Fresno, CA 93710 – (559) 224-2100 – View Map
Selecting an insurance agent requires you to look at more than just a cheap price quote. Some important questions to ask are:
- Is there a local claims center in Fresno?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they regularly work with personal auto policies in Fresno?
- Do they assist clients in filing claims?
- Is there a 24/7 contact number?
- How often do they review policy coverages?
Get Lower-cost Car Insurance with These Tips
Multiple criteria are used when you get a price on insurance. Some factors are common sense like an MVR report, although some other factors are not quite as obvious like your continuous coverage and annual miles driven.
Better premiums on vehicles with better crash test results – Vehicles that have high safety ratings can get you lower premiums. Vehicles built for safety reduce injuries and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy.
Does car insurance cost more for males? – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that women are better drivers. Males and females cause fender benders in similar percentages, but men get into accidents with more damage. Men also statistically get cited for more serious violations such as reckless driving. Teenage male drivers have the highest risk to insure and therefore pay the highest rates.
The diagram below shows the comparison of Chrysler Town and Country premium costs for male and female drivers. The rate quotes are based on no claims or driving violations, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.
Amount of liability protection – Your car insurance policy’s liability coverage will afford coverage in the event that you are found liable for causing personal injury or damage in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
Better prices with anti-theft devices – Driving a car that has a built-in theft deterrent system can help bring down rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft and help lower rates.
Where you live factors in – Living in a small town has definite advantages when trying to find low car insurance rates. Fewer people means fewer accidents and also fewer theft and vandalism claims. People who live in big cities have congested traffic and a longer drive to work. More time on the road translates into higher accident risk.
Three reasons to not skimp on insurance
Even though it can be expensive, insuring your vehicle may be required for several reasons.
- Almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your vehicle, more than likely the lender will require that you buy insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Chrysler at a much higher rate and force you to pay for the expensive policy.
- Insurance preserves your car and your assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit 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 cover the repair costs.
The benefits of carrying adequate insurance greatly outweigh the cost, especially when you need to use it. Unknowingly, the average driver overpays as much as $825 a year so you should quote and compare rates at least once a year to help ensure money is not being wasted.
How to find a good Fresno auto insurance company
Insuring your vehicle with a good quality insurance company can be a challenge considering how many companies are available to choose from in Fresno. The information listed below may help you select which auto insurers to look at comparing prices from.
Top 10 Fresno Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Fresno Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
You can lower your insurance rates
The cheapest Chrysler Town and Country insurance in Fresno can be purchased online in addition to many Fresno insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies work with local independent agents.
When searching for the cheapest Chrysler Town and Country rate quotes, never sacrifice coverage to reduce premiums. In many instances, someone dropped collision coverage and discovered at claim time that they should have had better coverage. The aim is to get the best coverage possible at an affordable rate and still be able to protect your assets.
Insureds leave their current company for a variety of reasons including policy cancellation, lack of trust in their agent, questionable increases in premium or even extreme rates for teen drivers. It doesn’t matter why you want to switch switching insurance companies can be less work than you think.
How to buy lower priced Chrysler Town and Country insurance in Fresno
It takes a little time, but the best way to find more affordable Chrysler Town and Country insurance is to compare prices at least once a year from insurance carriers in Fresno. This can be done by following these steps.
Step 1: Learn about how companies set rates and the measures you can take to prevent rate increases. Many rating criteria that result in higher rates like high-risk driving behaviors and a not-so-good credit score can be amended by being financially responsible and driving safely.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can provide prices from multiple companies. View companies
Step 3: Compare the new quotes to your existing rates to see if cheaper Town and Country coverage is available. If you can save money, ensure there is no coverage lapse between policies.
Step 4: Tell your current company of your intent to cancel your existing policy. Submit the application along with any required down payment for your new policy. As soon as you receive it, safely store the proof of insurance certificate in your vehicle’s glove compartment or console.
One key aspect when comparing rates is to use identical coverages on every quote request and and to get rate quotes from as many companies as possible. Doing this guarantees a level playing field and a complete price analysis.
More detailed insurance information is located in these articles:
- Alcohol Impaired Driving FAQ (iihs.org)
- What Insurance is Cheapest for Immigrants in Fresno? (FAQ)
- How Much are Car Insurance Rates for Infrequent Drivers in Fresno? (FAQ)
- Who Has Affordable Car Insurance for Active Military in Fresno? (FAQ)
- Who Has Affordable Fresno Car Insurance Quotes for a Kia Forte? (FAQ)
- What Car Insurance is Cheapest for a Subaru Outback in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Company Car in Fresno? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Safety Features for Your New Car (State Farm)
- Where can I buy Insurance? (Insurance Information Institute)