If your goal is the lowest price, then the best way to get the cheapest Chrysler Town and Country insurance in El Paso is to compare quotes once a year from companies in Texas. Prices can be compared by following these steps.
First, get a basic knowledge of how companies set rates and the things you can control to prevent high rates. Many rating factors that cause high rates like at-fault accidents, careless driving, and a not-so-good credit history can be improved by making small lifestyle or driving habit changes.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple sources.
Third, compare the price quotes to your existing coverage to determine if you can save on Town and Country insurance in El Paso. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
Fourth, provide proper notification to your current company of your intent to cancel your current auto insurance policy and submit the signed application along with the required initial payment to your new agent or company. As soon as coverage is bound, put the certificate verifying proof of insurance in a readily accessible location in your vehicle.
The key aspect of shopping around is to try to use similar limits and deductibles on each price quote and and to get rates from as many carriers as you can. Doing this provides a fair rate comparison and a complete rate analysis.
It’s an obvious assumption that insurance companies want to keep you from comparing rates. People who get price quotes annually will, in all likelihood, switch auto insurance companies because there is a great chance of finding a more affordable policy. Remarkably, a study showed that people who shopped around every year saved over $3,450 over four years compared to people who don’t regularly compare prices.
If finding low prices for car insurance in El Paso is your objective, then having a grasp of how to shop for insurance premiums can make it easier to find better rates.
If you already have coverage or are shopping for new coverage, you can follow these tips to reduce the price you pay and still get good coverage. This information will instruct you on the most effective ways to compare rates and some money-saving tips. Smart buyers just need to know the proper way to compare price quotes using one simple form.
The companies shown below are ready to provide comparison quotes in El Paso, TX. If more than one company is shown, we recommend you visit two to three different companies to get the best price comparison.
Companies offer lots of discounts on Chrysler Town and Country insurance in El Paso
Insurance can cost an arm and a leg, but there’s a good chance there are discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but less common discounts must be asked about prior to receiving the credit.
- Theft Deterrent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Distant Student – Older children who are attending college without a vehicle on campus could qualify for this discount.
- Good Student – This discount can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
- More Vehicles More Savings – Buying insurance for multiple vehicles with the same company can get a discount for every vehicle.
- No Accidents – Claim-free drivers have much lower rates as compared to bad drivers.
- Auto/Life Discount – Insurance carriers who offer life insurance give a discount if you purchase auto and life insurance together.
- Senior Citizen Discount – Drivers over the age of 55 could receive reduced rates.
Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
The example below shows the comparison of Chrysler Town and Country yearly insurance costs with and without discounts. The prices are based on a female driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-policy, and multi-car discounts applied.
Companies and their possible discounts can be read below.
- GEICO includes discounts for defensive driver, five-year accident-free, membership and employees, multi-vehicle, and anti-lock brakes.
- Auto-Owners Insurance may have discounts that include group or association, multi-policy, air bags, safe vehicle, good student, and mature driver.
- American Family may include discounts for defensive driver, early bird, accident-free, good driver, and good student.
- Esurance policyholders can earn discounts including claim free, online quote, homeowner, Pac-12 alumni, multi-car, anti-theft, and good driver.
- Progressive offers discounts for continuous coverage, multi-policy, good student, online quote discount, and homeowner.
- State Farm has discounts for defensive driving training, good student, passive restraint, Steer Clear safe driver discount, student away at school, multiple policy, and accident-free.
- AAA has savings for good student, education and occupation, multi-car, good driver, anti-theft, pay-in-full, and AAA membership discount.
When comparing rates, check with each company or agent to give you their best rates. All car insurance discounts might not be offered everywhere.
Insurance coverage details
The coverage table shown below outlines different insurance costs for Chrysler Town and Country models. Understanding more about how premiums are determined is important for you to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $272 | $328 | $424 | $26 | $128 | $1,178 | $98 |
| Town and Country Touring | $308 | $400 | $424 | $26 | $128 | $1,286 | $107 |
| Town and Country Signature | $308 | $400 | $424 | $26 | $128 | $1,286 | $107 |
| Town and Country Touring Plus | $308 | $400 | $424 | $26 | $128 | $1,286 | $107 |
| Town and Country Limited | $344 | $472 | $424 | $26 | $128 | $1,394 | $116 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific location information which can change coverage rates considerably.
Deductible comparison
One common question asked by El Paso drivers is at what level do you set your deductibles. The rates shown below illustrate the costs and benefits when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $294 | $408 | $324 | $20 | $96 | $1,167 | $97 |
| Town and Country Touring | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Town and Country Signature | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Town and Country Touring Plus | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| Town and Country Limited | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $182 | $256 | $324 | $20 | $96 | $878 | $73 |
| Town and Country Touring | $206 | $312 | $324 | $20 | $96 | $958 | $80 |
| Town and Country Signature | $206 | $312 | $324 | $20 | $96 | $958 | $80 |
| Town and Country Touring Plus | $206 | $312 | $324 | $20 | $96 | $958 | $80 |
| Town and Country Limited | $228 | $368 | $324 | $20 | $96 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in your specific El Paso location which can raise or lower coverage prices substantially.
Based on the figures above, using a $250 deductible would cost the average driver about $28 more each month or $336 for a full year than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 27 months between claims, you would most likely save money going with the higher deductible. Here is an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $108 |
| Average monthly premium for $1,000 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
The illustration below highlights how deductible selection and can affect Chrysler Town and Country insurance rates for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
How violations and accidents impact rates
The example below shows how traffic citations and at-fault fender-benders can affect Chrysler Town and Country car insurance costs for each different age category. Data assumes a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Rate difference between full and liability-only coverage
The example below shows the comparison of Chrysler Town and Country insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving citations, $250 deductibles, single marital status, and no additional discounts are factored in.
Are you wasting money on full coverage?
There is no set guideline to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Chrysler Town and Country replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some cases where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.
Independent and exclusive insurance agencies
A lot of people just prefer to have an agent’s advice and that is not a bad decision Most agents can point out coverage gaps and help file insurance claims. The best thing about comparing car insurance online is that drivers can save money and get cheap car insurance quotes but still work with a licensed agent. Putting coverage with neighborhood insurance agencies is important particularly in El Paso.
To help locate an agent, after submitting this short form, your information is emailed to participating agents in El Paso who will return price quotes for your coverage. You won’t need to search for an agent as quotes are delivered immediately to you. In the event you want to compare rates from a particular provider, feel free to navigate to their website and give them your coverage information.
Listed below are agents in El Paso willing to provide price quote information for Chrysler Town and Country insurance in El Paso.
- Carlos Robles – State Farm Insurance Agent
12025 Rojas Dr Ste E – El Paso, TX 79936 – (915) 856-7758 – View Map - Sandra Serna – State Farm Insurance Agent
10965 Ben Crenshaw, Ste D3 – El Paso, TX 79935 – (915) 591-0727 – View Map - RedRock Insurance Agency
1029 N Zaragoza Rd A – El Paso, TX 79907 – (915) 858-1400 – View Map - Cielo Vista Insurance
1132 Geronimo Dr – El Paso, TX 79925 – (915) 772-1406 – View Map
Picking an insurance company needs to be determined by more than just a cheap quote. Ask your prospective agent these questions:
- What company do they have the most business with?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they reduce claim amounts on high mileage vehicles?
- If you raise deductibles, how much can you save?
- Does the company use OEM repair parts?
- Do they offer accident forgiveness?
- Does the company have a local claim office in El Paso?
- Can you contact them at any time?
After you get positive feedback to these questions and locked in a price quote, chances are good that you have found an insurance company that can be relied on to service your policy.
Auto insurance coverages
Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Collision protection
Collision coverage pays for damage to your Town and Country from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a ditch, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Town and Country to bring the cost down.
Auto liability insurance
This coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 30/60/25 that means you have $30,000 in coverage for each person’s injuries, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability insurance covers claims such as legal defense fees, attorney fees, bail bonds, medical expenses and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but drivers should carry higher limits.
The next chart demonstrates why buying the state minimum limits may not be enough.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler Town and Country.
Since many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage reimburse you for expenses like ambulance fees, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like falling objects, damage from getting keyed, hail damage and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Frequent quotes can save
Discount Chrysler Town and Country insurance in El Paso is attainable from both online companies and also from your neighborhood El Paso agents, and you should be comparing both to get a complete price analysis. A few companies may not provide online price quotes and usually these smaller providers only sell through independent agencies.
People change insurance companies for a number of reasons such as being labeled a high risk driver, high prices, poor customer service and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.
As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, an insured cut liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at a price you can afford.
More detailed insurance information is available in the articles below:
- Vehicle Insurance (Wikipedia)
- Child Safety Seats (Insurance Information Institute)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Airbag FAQ (iihs.org)