Affordable Insurance for a Chrysler Sebring in Irvine

Discount Chrysler Sebring insuranceIf you want to save the most money, the best way to find more affordable auto insurance rates is to start comparing prices regularly from insurers that sell auto insurance in Irvine. Rate comparisons can be done by following these steps.

  1. Take a few minutes and learn about how car insurance works and the factors you can control to prevent expensive coverage. Many things that increase rates like careless driving and a less-than-favorable credit score can be rectified by making minor changes to your lifestyle.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.
  3. Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Tell your current company of your decision to cancel your current coverage. Submit a down payment and signed policy application to the new insurer. Once coverage is bound, keep the new certificate of insurance in an accessible location in your vehicle.

One key aspect when comparing rates is to compare identical limits and deductibles on every quote and and to get quotes from as many companies as possible. Doing this guarantees the most accurate price comparison and a thorough selection of prices.

Statistics show that nearly 70% of consumers have remained with the same car insurance company for at least the last four years, and approximately 40% of consumers have never compared rates to find cheap insurance. Consumers in California could save $470 each year, but they just don’t understand how easy it is to shop their coverage around.

The majority of larger companies like State Farm and Allstate provide coverage price quotes online. Getting quotes for Chrysler Sebring insurance in Irvine is pretty painless because you just enter your coverage information into the form. Upon sending the form, the quote system sends out for your driving and credit reports and returns pricing information based on the data you entered. Quoting online for Chrysler Sebring insurance in Irvine streamlines rate comparisons, and it’s necessary to perform this step if you want to find the most affordable premium.

In order to get comparison pricing now, take a look at the companies shown below. If you have a policy now, it’s recommended you copy coverages and limits exactly as shown on your declarations page. This helps ensure you will have a rate comparison for exact coverage.

The following companies are ready to provide quotes in California. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.

Coverage analysis

The premium table shown next covers detailed analysis of insurance prices for Chrysler Sebring models. Having a better understanding of how car insurance prices are established can assist in making informed coverage decisions.

Chrysler Sebring Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sebring Touring 4-Dr Sedan $182 $418 $464 $28 $138 $1,230 $103
Sebring Limited 4-Dr Sedan $182 $418 $464 $28 $138 $1,230 $103
Sebring LX 2-Dr Convertible $204 $418 $464 $28 $138 $1,252 $104
Sebring Touring 2-Dr Convertible $204 $418 $464 $28 $138 $1,252 $104
Sebring Limited 2-Dr Convertible $228 $482 $464 $28 $138 $1,340 $112
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in specific location information which can alter premiums greatly.

Policy deductible comparison

When buying car insurance, a common question is how high should the physical damage deductibles be. The following tables may help to conceptualize the rate fluctuation when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.

Chrysler Sebring insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sebring Touring 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Sebring Limited 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Sebring LX 2-Dr Convertible $386 $678 $442 $26 $132 $1,689 $141
Sebring Touring 2-Dr Convertible $386 $678 $442 $26 $132 $1,689 $141
Sebring Limited 2-Dr Convertible $430 $780 $442 $26 $132 $1,835 $153
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Chrysler Sebring insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sebring Touring 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Sebring Limited 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Sebring LX 2-Dr Convertible $238 $426 $442 $26 $132 $1,264 $105
Sebring Touring 2-Dr Convertible $238 $426 $442 $26 $132 $1,264 $105
Sebring Limited 2-Dr Convertible $266 $490 $442 $26 $132 $1,356 $113
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in Irvine location which can raise or lower auto insurance rates noticeably.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $36 more each month or $432 a year than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 21 months between claim filings, you would save more money if you elect the higher deductible. The numbers below show an example of how this decision is made.

Average monthly premium for $250 deductibles: $142
Average monthly premium for $1,000 deductibles (subtract): – $106
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that raising deductibles means you will have to pay more out-of-pocket when you have a claim. That will require enough money put aside in order to pay the higher deductible.

The illustration below highlights how deductible selection and can raise or lower Chrysler Sebring yearly insurance costs for different age groups. The rates are based on a single male driver, comp and collision included, and no discounts are applied.

Rate difference between full and liability-only coverage

The diagram below illustrates the comparison of Chrysler Sebring insurance premiums with and without physical damage coverage. The prices are based on no claims or violations, $100 deductibles, single marital status, and no discounts are factored in.

When to drop comprehensive and collision

There is no set rule of when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Chrysler Sebring replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your deductible. If it’s costing you more than $600 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Why you need insurance

Despite the high insurance cost for a Chrysler Sebring in Irvine, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of having insurance greatly outweigh the cost, particularly for liability claims. Unknowingly, the average driver overpays more than $820 a year so we recommend shopping around each time the policy renews to ensure rates are inline.

Smart Consumers Know How to Find Auto Insurance for Less

Many factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but others are not quite as obvious like your vehicle usage or your financial responsibility. Consumers need to have an understanding of some of the things that help determine your auto insurance rates. If you know what determines premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs.

Auto insurance policy discounts for Chrysler Sebring insurance in Irvine

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so we break down both well-publicized as well as some of the hidden discounts that you may qualify for. If you’re not getting every credit you deserve, you’re paying more than you need to.Save money with discounts

Just know that many deductions do not apply to the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.

The chart below visualizes the comparison of Chrysler Sebring auto insurance rates with and without discounts applied to the rates. The premiums assume a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, marriage, and claim-free discounts applied.

A list of auto insurance companies and some of the premium reductions they offer are detailed below.

When quoting, ask all companies you are considering which discounts you may be entitled to. A few discounts may not be offered in Irvine.

Can’t I get rate quotes from local Irvine car insurance agents?

Many people would rather talk to an insurance agent and that is a smart decision An additional benefit of getting online price quotes is the fact that drivers can get the lowest rates and still have a local agent.

Find insurance agent in IrvineAfter filling out this form (opens in new window), the coverage information gets sent to insurance agents in Irvine who will give you bids to get your business. There is no reason to contact any agents since price quotes are sent immediately to you. Get lower rates without the usual hassles of price shopping. If you have a need to get a price quote from a particular provider, you can always visit that company’s website and complete a quote there.

Deciding on an provider should include more criteria than just a cheap price. A good agent in Irvine will have answers to these questions.

Different types of Irvine car insurance agents

If you need to find a reliable insurance agency, it helps to know the two types of agencies and how they differ in how they quote coverages. Auto insurance agencies can be described as either independent or exclusive.

Exclusive Auto Insurance Agencies

Exclusive agents can only quote rates from one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. Exclusive agencies are highly trained on their products and sales techniques and that can be a competitive advantage.

The following are exclusive agents in Irvine willing to provide comparison quotes.

18004 Sky Park Cir #250Irvine, CA 92614(949) 252-0900View Map

4000 Barranca Pkwy # 250Irvine, CA 92604(949) 262-3238View Map

1442 Irvine Blvd #204Tustin, CA 92780(714) 734-8300View Map

View more Irvine agents

Independent Auto Insurance Agencies

Agents in the independent channel can quote rates with many companies so they can write business amongst many companies and get the cheapest rates. If prices rise, your agent can just switch to a different company and you can keep the same agent.

If you need lower rates, we recommend you include price quotes from several independent insurance agents so that you have a good selection of quotes to compare.

Below is a short list of independent insurance agencies in Irvine willing to provide price quote information.

2030 Main St #700Irvine, CA 92614(949) 358-6100View Map

California Agency Insurance
17632 Irvine Blvd # 235Tustin, CA 92780(714) 731-8300View Map

3440 Irvine Ave # 150Newport Beach, CA 92660(949) 852-8558View Map

View more Irvine agents

Upon receiving positive feedback to any questions you may have as well as offering an affordable quote, you’ve probably found a car insurance agent that is a good match to adequately provide auto insurance.

Do the work, save more money

We just presented some good ideas how to compare Chrysler Sebring insurance premium rates in Irvine. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable Irvine auto insurance quotes. You may even find the most savings is with the smaller companies. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm and Allstate.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice collision coverage only to discover later that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

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