Cheapest Quotes for Chrysler Sebring Insurance in San Antonio

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Want to know an easy way to compare more competitive Chrysler Sebring insurance in San Antonio? If shopping for San Antonio auto insurance quotes online is new to you, it's easy to get confused by the crazy number of insurance providers that all promise the best rates for Chrysler Sebring insurance in San Antonio.

Discount Chrysler Sebring insuranceIt's an obvious assumption that car insurance companies don't want customers comparing rates. People who compare rates at least once a year are likely to switch companies because there is a significant possibility of finding lower rate quotes. Surprisingly, a recent survey revealed that people who compared rates once a year saved as much as $3,450 over four years compared to those who never shopped for cheaper rates.

If finding the lowest rates on auto insurance in San Antonio is your target objective, then learning a little about the best way to shop and compare cheaper coverage can help you succeed in saving money.

You should make it a habit to do rate comparisons periodically since rates trend upward over time. Despite the fact that you may have had the best rate on Chrysler Sebring insurance in San Antonio six months ago there is a good chance you can find better prices now. Ignore everything you know about car insurance because you're about to find out the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best rates in San Antonio is quite easy. Basically, each driver who has to buy car insurance stands a good chance to find a cheaper policy. But Texas vehicle owners must learn how the larger insurance companies market on the web and use it to your advantage.

To find the best car insurance rates, there are several ways to obtain and compare prices from many different Texas insurance companies. The simplest method to find the cheapest Chrysler Sebring insurance rates consists of shopping online. Just remember that getting more free quotes provides better odds of finding the best price. Some companies don't provide San Antonio Sebring insurance quotes over the internet, so you should also compare price estimates from them as well.

The companies in the list below have been selected to offer price comparisons in Texas. If the list has multiple companies, we suggest you visit several of them to get a more complete price comparison.

Statistics and details

The coverage information displayed below outlines estimates of prices for Chrysler Sebring models. Having a good grasp of how insurance policy premiums are calculated is important to be able to make smart choices when comparing insurance rates.

Chrysler Sebring Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sebring Touring 4-Dr Sedan $288 $672 $462 $28 $138 $1,588 $132
Sebring Limited 4-Dr Sedan $288 $672 $462 $28 $138 $1,588 $132
Sebring LX 2-Dr Convertible $326 $672 $462 $28 $138 $1,626 $136
Sebring Touring 2-Dr Convertible $326 $672 $462 $28 $138 $1,626 $136
Sebring Limited 2-Dr Convertible $362 $774 $462 $28 $138 $1,764 $147
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in garaging location in San Antonio which can modify coverage rates significantly.

Policy deductibles

When comparing insurance rates, the most common question is how low should you set your deductibles. The rates shown below help summarize the rate fluctuation when you choose different physical damage deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Chrysler Sebring insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sebring Touring 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Sebring Limited 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Sebring LX 2-Dr Convertible $370 $698 $382 $22 $114 $1,611 $134
Sebring Touring 2-Dr Convertible $370 $698 $382 $22 $114 $1,611 $134
Sebring Limited 2-Dr Convertible $412 $804 $382 $22 $114 $1,759 $147
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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 $182 $368 $382 $22 $114 $1,068 $89
Sebring Limited 4-Dr Sedan $182 $368 $382 $22 $114 $1,068 $89
Sebring LX 2-Dr Convertible $206 $368 $382 $22 $114 $1,092 $91
Sebring Touring 2-Dr Convertible $206 $368 $382 $22 $114 $1,092 $91
Sebring Limited 2-Dr Convertible $228 $424 $382 $22 $114 $1,170 $98
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rates do not factor in specific location information which can affect rates greatly.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $43 more each month or $516 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 21 months between claims, you would save money if you choose the higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $135
Average monthly premium for $1,000 deductibles (subtract): - $92
Monthly savings from raising deductible: $43
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $43
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important sidenote is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have to file a claim. You will want to have some available funds in the event you need to pay more for the deductible.

The diagram below shows how choosing a deductible and can affect Chrysler Sebring insurance costs for each different age group. The premium estimates are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

Driving violations and accidents

The illustration below demonstrates how citations and at-fault claims drive up Chrysler Sebring yearly insurance costs for each age group. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Comparison of insurance rates by gender

The information below illustrates the difference between Chrysler Sebring insurance rates for male and female drivers. The information is based on no claims or driving citations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are applied.

Does full coverage make sense?

The chart below shows the comparison of Chrysler Sebring yearly insurance costs when comparing full coverage to state minimum liability only. The premiums assume no claims or violations, $250 deductibles, single status, and no policy discounts are applied.

When to drop comprehensive and collision

There is no specific rule to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let's say your Chrysler Sebring replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after you pay the deductible. If premiums are more than $800 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where buying only liability insurance is not a good plan. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Quote Chrysler Sebring Insurance for Less

It's important that you understand the rating factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively determines base rates, this allows you to make good choices that could result in much lower annual insurance costs. Many different elements are considered when you get a price on insurance. Some of the criteria are obvious such as your driving record, although some other factors are less apparent like where you live and annual miles driven.

An active claims history can cost more - If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Companies in Texas give discounts to people who only file infrequent claims. Your insurance policy is intended for larger claims.

Save by driving safer vehicles - Vehicles with high crash test scores get lower rates. Safer cars reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies which can mean better rates for you. If your Chrysler is rated at least four stars on you are probably receiving a discount.

Rural vs Urban Areas - Residing in less populated areas of the country can save you money when buying insurance. People who live in big cities have more aggressive driving styles and much longer commute distances. Fewer drivers and short commutes means fewer accidents and also fewer theft and vandalism claims.

Insurance rates and your job - Did you know your insurance rates can be affected by your occupation? Occupations like military personnel, executives, and financial analysts tend to have higher average rates because of stressful work requirements and incredibly demanding work hours. Conversely, occupations like professors, students and homemakers receive lower rates.

Alarms and GPS tracking systems cut insurance rates - Owning a car that has a built-in theft deterrent system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.

Why auto insurance is not optional

Despite the high cost of buying insurance for a Chrysler Sebring in San Antonio, insuring your vehicle serves several important purposes.

  • Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your vehicle has a lienholder, more than likely the lender will stipulate that you carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Chrysler for a much higher rate and force you to pay much more than you were paying before.
  • Auto insurance preserves not only your Chrysler Sebring but also your assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay to defend you if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay to restore your vehicle to like-new condition.

The benefits of having auto insurance more than cancel out the cost, especially for larger claims. Unknowingly, the average driver overpays more than $825 a year so it's important to compare rates at least once a year to save money.