Auto Insurance Quotes for a Chrysler Town and Country in San Antonio

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Insurance for Chrysler Town and CountryTired of not being able to scrape enough together to make your car insurance payment? You are in the same boat as most other vehicle owners in Texas.

A recent study showed that nearly 70% of customers kept their policy with the same company for at least the last four years, and almost half have never shopped around. Most drivers in the U.S. can cut their rates by about $860 a year by just shopping around, but most just don't grasp how much money they would save if they replace their high priced policy.

You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have a selection, more options can take longer to compare rates and cut insurance costs.

Consumers need to get comparison quotes at least once a year because prices change frequently. Despite the fact that you may have had the lowest rate on Chrysler Town and Country insurance in San Antonio at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about car insurance because you're about to learn one of the best ways to find great coverage at a great price.

Best companies for Chrysler Town and Country insurance

The providers in the list below are our best choices to provide quotes in Texas. If more than one company is shown, we suggest you visit several of them to get a more complete price comparison.

Car insurance statistics and figures

The premium information below showcases detailed analysis of policy rates for Chrysler Town and Country models. Learning as much as possible about how auto insurance prices are figured helps drivers make smart choices when buying a car insurance policy.

Chrysler Town and Country Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Town and Country LX $176 $252 $330 $20 $98 $876 $73
Town and Country Touring $200 $306 $330 $20 $98 $954 $80
Town and Country Signature $200 $306 $330 $20 $98 $954 $80
Town and Country Touring Plus $200 $306 $330 $20 $98 $954 $80
Town and Country Limited $222 $360 $330 $20 $98 $1,030 $86
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase premiums greatly.

Rate difference between full and liability-only coverage

The chart below illustrates the comparison of Chrysler Town and Country insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The information is based on no accidents, no driving violations, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no exact rule that works best for making the decision to drop physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Chrysler Town and Country replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your deductible. If premium cost is more than $200 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Cheaper rates on Chrysler Town and Country insurance in San Antonio with these insurance discounts

Car insurance companies don't always list every discount they offer very clearly, so the list below details some of the best known in addition to some of the lesser obvious credits that may apply to you.

  • Theft Deterrent - Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
  • Distant Student - College-age children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts may qualify for discounts of more than 20%.
  • Early Payment Discounts - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • ABS and Traction Control Discounts - Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
  • Discount for New Cars - Insuring a new Town and Country can save you some money since newer models are generally safer.
  • Drivers Education - Teen drivers should take driver's ed class if it's offered in school.
  • Multi-car Discount - Drivers who insure several vehicles on one policy qualifies for this discount.

Consumers should know that most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don't profit that way.

The chart below shows the difference between Chrysler Town and Country insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, homeowner, and claim-free discounts applied.

If you would like to view providers offering insurance discounts in Texas, click here to view.

When do I need to talk to a local insurance agent?

Many people still like to talk to an insurance agent. The best thing about comparing auto insurance online is that you can find lower rates and still have a local agent. Putting coverage with neighborhood agents is important particularly in San Antonio.

Find insurance agent in San AntonioOnce you complete this form (opens in new window), your coverage information is sent to companies in San Antonio who will give competitive quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to contact an agency due to the fact that quote results will go immediately to you. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to get a rate quote from a specific insurance company, just jump over to their website and fill out the quote form the provide.

If you prefer to buy auto insurance from an insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. San Antonio agents are categorized either exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies

These agents are not locked into one company so they can quote policies with a variety of different insurance companies and find the cheapest rate. If you are not satisfied with one company, they simply move the coverage in-house and you don't have to find a new agent.

When searching for an agent, we recommend you get some free quotes from at a minimum one independent agency so that you can do a thorough price comparison.

Shown below is a partial list of independent agencies in San Antonio that may be able to provide pricing information.


1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map


7410 Blanco Rd #385 - San Antonio, TX 78216 - (210) 446-0109 - View Map


5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map

More insurance agents

Exclusive Agents

These type of agents are contracted to one company such as American Family, State Farm, and Allstate. Exclusive agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents receive extensive training on their company's products which helps offset the inability to provide other markets.

The following is a list of exclusive agents in San Antonio who can help you get price quotes.


1840 S General McMullen Dr #109 - San Antonio, TX 78226 - (210) 433-9000 - View Map


7863 Callaghan Rd #105 - San Antonio, TX 78229 - (210) 616-0662 - View Map


1583 Thousand Oaks - San Antonio, TX 78232 - (210) 496-5616 - View Map

More insurance agents

Choosing the best insurance agency should depend on more than just the price. These are some valid questions you should ask.

  • How much experience to they have in personal lines coverages?
  • What is the agency's Better Business Bureau rating?
  • When do they do a full risk review?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Is the quote a firm price?
  • Are claims handled at the agent's location?

Affordable car insurance is out there

You just read some good ideas how to save on Chrysler Town and Country insurance in San Antonio. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the lowest rates are with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Cheaper car insurance in San Antonio is attainable on the web and from local agencies, so you need to shop San Antonio auto insurance with both in order to have the best price selection to choose from. Some companies may not offer online price quotes and many times these regional carriers provide coverage only through local independent agents.

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