It goes without saying that car insurance companies don’t want you comparing rates. Drivers who shop around annually are inclined to buy a new policy because they stand a good chance of finding lower prices. A study showed that people who made a habit of comparing rates saved about $3,450 over four years as compared to drivers who never shopped around for lower prices.
If finding budget-friendly auto insurance in New Orleans is your goal, then understanding how to shop for cheaper coverage can help you succeed in finding affordable rates.
If you want to save money, the best way to get budget Chrysler Sebring insurance in New Orleans is to compare quotes once a year from insurers in Louisiana. Rate comparisons can be done by completing these steps.
- Step 1: Learn about what coverages are included in your policy and the things you can change to keep rates low. Many factors that result in higher prices such as multiple speeding tickets and a not-so-good credit rating can be amended by making minor changes in your lifestyle.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while independent agents can provide prices from many different companies. Select a company
- Step 3: Compare the price quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
The critical component of shopping around is to try to use identical limits and deductibles on every quote and and to compare all possible companies. Doing this guarantees a level playing field and a complete selection of prices.
If you have insurance now or just want cheaper coverage, you can use this information to get lower rates while maintaining coverages. Our goal is to teach you a little about how to effectively get price quotes. Drivers just have to use the least time-consuming way to get comparison quotes online.
Lowering your Chrysler Sebring car insurance rates is actually quite simple. All you need to do is spend a little time comparing rates from some recommended companies.
The companies shown below are our best choices to provide quotes in Louisiana. If you wish to find cheap auto insurance in New Orleans, it’s highly recommended you visit as many as you can to get the best price comparison.
Chrysler Sebring insurance coverage information
The data table shown below outlines estimates of insurance premium costs for Chrysler Sebring models. Having a better understanding of how auto insurance prices are figured is important for drivers to make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $170 | $372 | $436 | $26 | $130 | $1,134 | $95 |
| Sebring Limited 4-Dr Sedan | $170 | $372 | $436 | $26 | $130 | $1,134 | $95 |
| Sebring LX 2-Dr Convertible | $192 | $372 | $436 | $26 | $130 | $1,156 | $96 |
| Sebring Touring 2-Dr Convertible | $192 | $372 | $436 | $26 | $130 | $1,156 | $96 |
| Sebring Limited 2-Dr Convertible | $214 | $428 | $436 | $26 | $130 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific New Orleans garaging location which can change premiums greatly.
The illustration below illustrates how choosing a deductible and can raise or lower Chrysler Sebring premium costs for different age groups of insureds. The price estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Impact of speeding/accidents on New Orleans car insurance rates
The example below highlights how speeding tickets and accident claims influence Chrysler Sebring yearly insurance costs for different categories of driver ages. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Does full coverage make sense?
The chart below shows the comparison of Chrysler Sebring car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Louisiana. The data is based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you pay for full coverage?
There is no written rule to eliminate full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your Chrysler Sebring claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after the deductible is paid. If you are paying more than $500 annually to have full coverage, then it could be time to drop full coverage.
There are a few cases where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Insurance agents can help
Keep in mind that when it comes to choosing coverage, there really is no single plan that fits everyone. Each situation is unique.
These are some specific questions could help you determine whether you might need an agent’s assistance.
- Do I need PIP (personal injury protection) coverage in Louisiana?
- Is extra glass coverage worth it?
- What are the financial responsibility laws in my state?
- Where can I find DUI or SR-22 insurance?
- Are split liability limits better than a combined single limit?
- When should I not buy collision coverage?
- Can I afford to buy a different vehicle if my Chrysler Sebring is totaled?
- Is my son or daughter covered when driving my car?
- Does my medical payments coverage pay my health insurance deductible?
- Do I have newly-acquired coverage?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
Local New Orleans insurance agencies
Many people just want to buy from a local agent and that is a smart decision Professional agents can make sure you are properly covered and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can find cheap car insurance quotes and still have a local agent.
After completing this simple form, your coverage information is transmitted to companies in New Orleans who will give competitive quotes for your car insurance coverage. You don’t have to even leave your home since price quotes are sent directly to your email. In the event you want to get a comparison quote from a particular provider, you would need to find their quoting web page and fill out their quote form.
Picking an insurer requires more thought than just a cheap price. Some important questions to ask are:
- Where would glass claims be handled in New Orleans?
- Will your rates increase after a single accident?
- Do they offer claims assistance after hours?
- Are aftermarket or OEM parts used to repair vehicles?
- How often do they review policy coverages?
If you feel you receive good answers in addition to an acceptable price estimate, you may have just found an provider that is reputable and can service your policy.
Best car insurance company in Louisiana
Choosing the top insurance company can be rather challenging considering how many different companies insure vehicles in Louisiana. The information in the lists below may help you decide which auto insurers to look at when comparing rate quotes.
Top 10 New Orleans Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General