Cheapest Insurance for a Chrysler Town and Country in Chicago

Insurance rates Chrysler Town and Country in ChicagoHaving to pay for overpriced Chrysler Town and Country insurance in Chicago can deplete your personal savings and force you to tighten up your finances. Doing a rate comparison can be a smart way to lower your bills every month.

A recent study revealed that a large majority of insurance policyholders in Illinois kept their policy with the same company for a minimum of four years, and just short of a majority have never even compared quotes to find lower-cost rates. Many consumers in America could save roughly 47% a year, but they don’t want to take the time to do a rate comparison.

Online insurance companies like Progressive, State Farm and GEICO increase brand awareness with catchy ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

Low-cost auto insurance in Chicago, IL

The providers in the list below offer quotes in Illinois. If multiple companies are shown, it’s highly recommended you click on several of them to get the best price comparison.

Chrysler Town and Country Insurance Rates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $194 $316 $288 $18 $86 $902 $75
Town and Country Touring $198 $344 $214 $12 $64 $832 $69
Town and Country Signature $160 $214 $290 $18 $88 $770 $64
Town and Country Touring Plus $120 $210 $250 $14 $76 $670 $56
Town and Country Limited $158 $268 $208 $12 $62 $708 $59
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in your specific Chicago location which can alter premium rates noticeably.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The rates below lay out the costs and benefits of buying low and high deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Chrysler Town and Country insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $202 $280 $222 $14 $66 $809 $67
Town and Country Touring $228 $340 $222 $14 $66 $895 $75
Town and Country Signature $228 $340 $222 $14 $66 $895 $75
Town and Country Touring Plus $228 $340 $222 $14 $66 $895 $75
Town and Country Limited $254 $400 $222 $14 $66 $981 $82
Get Your Own Custom Quote Go

Chrysler Town and Country insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $164 $226 $222 $14 $66 $692 $58
Town and Country Touring $186 $274 $222 $14 $66 $762 $64
Town and Country Signature $186 $274 $222 $14 $66 $762 $64
Town and Country Touring Plus $186 $274 $222 $14 $66 $762 $64
Town and Country Limited $206 $322 $222 $14 $66 $830 $69
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific garaging location which can decrease or increase price quotes significantly.

Based on the above data, using a $250 deductible could cost the average driver approximately $11 more each month or $132 for a full year than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 23 months between claims, you would save more money by going with a higher deductible. Here is an example of how this decision is made.

Average monthly premium for $250 deductibles: $75
Average monthly premium for $500 deductibles (subtract): – $64
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important caveat is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a physical damage claim. That will require some extra savings in the event you need to pay the deductible for vehicle repair.

Raise deductibles and save

The illustration below demonstrates how deductibles and can increase or decrease Chrysler Town and Country insurance prices for different ages of insureds. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Price comparison of only insuring for liability

The information below shows the difference between Chrysler Town and Country insurance rates with liability coverage only compared to full coverage. The premium estimates are based on no violations or accidents, $100 deductibles, married female driver, and no discounts are factored in.

Deciding between full coverage and liability only

There is no exact rule for dropping full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Chrysler Town and Country settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Why Your Insurance Costs might be higher

Many different elements are used when you get a price on insurance. Some factors are common sense such as traffic violations, but other criteria are not quite as obvious such as your credit history or how financially stable you are.

Listed below are a partial list of the pieces used by your company to calculate your rate level.

Discounts can help save money on Chrysler Town and Country insurance in Chicago

Some providers don’t always publicize every discount available very clearly, so the list below details some of the best known as well as the least known discounts that you can inquire about if you buy Chicago car insurance online.Save money with discounts

One last thing about discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, companies wouldn’t make money that way.

A few of the larger companies and some of their more popular discounts include:

Before buying, ask every insurance company which discounts you qualify for. Discounts might not be available to policyholders in your area. To find providers that can offer you the previously mentioned discounts in Illinois, click here.

What if I want to buy from local Chicago car insurance agents?

Certain consumers would prefer to have an agent’s advice and that is recommended in a lot of cases A nice benefit of comparing car insurance online is that you can find cheaper rates and also buy local. Buying from and supporting neighborhood agents is important especially in Chicago.

Chicago insurance agentsTo help locate an agent, after submitting this quick form, the coverage information is immediately sent to local insurance agents in Chicago who will give competitive quotes to get your business. It’s much easier because you don’t need to search for an agent because quoted prices will be sent instantly to you. You can get cheaper car insurance rates without having to waste a lot of time. In the event you want to get a price quote from a specific car insurance provider, you would need to go to their quote page and fill out the quote form the provide.

When narrowing the list to find a reliable insurance agency, it’s helpful to know the types of insurance agents and how they can write your policy. Agencies in Chicago can be categorized as either exclusive or independent.

Independent Car Insurance Agents (or Brokers)

Agents in the independent channel are not employed by any specific company and that enables them to quote your coverage through many different car insurance companies enabling the ability to shop coverage around. If you want to switch companies, an independent agent can move your coverage and that require little work on your part.

If you need lower rates, it’s a good idea to contact independent agents to get the best comparison.

Featured below is a list of independent agents in Chicago who can help you get pricing information.

2538 N Lincoln AveChicago, IL 60614(773) 871-0808View Map

3656 N Cicero AveChicago, IL 60641(773) 725-9333View Map

4450 N Western AveChicago, IL 60625(773) 433-3300View Map

View more Chicago agents

Exclusive Car Insurance Agencies

Agents that choose to be exclusive write business for a single company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. These agents are trained well on sales techniques which can be an advantage.

The following is a short list of exclusive insurance agents in Chicago that are able to give price quotes.

4316 W 63rd StChicago, IL 60629(773) 735-0135View Map

Greg King – State Farm Insurance Agent
5508 S Lake Park AveChicago, IL 60637(773) 643-6200View Map

1525 E 53rd St #727Chicago, IL 60615(773) 955-3133View Map

View more Chicago agents

Picking the best car insurance agent requires more thought than just the price. The questions below may impact your decision as well.

If you feel you receive good answers to any questions you may have as well as offering an affordable quote, you may have found an insurance agent that is a good match to insure your vehicles.

Don’t give up on cheap premiums

Some insurance companies may not have rate quotes online and these regional carriers prefer to sell through independent insurance agents. Lower-priced auto insurance in Chicago can be bought on the web in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.

We covered some good ideas how you can compare Chrysler Town and Country insurance rates in Chicago. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest rates come from the smaller companies. Some small companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

For more information, link through to these articles: