Auto Insurance Quotes for a Chrysler Sebring in Los Angeles

Insurance for Chrysler SebringDo you need a better way to compare more affordable Chrysler Sebring insurance in Los Angeles? Feeling guilty for buying an under-performing, overpriced auto insurance policy? It’s a common feeling and there are many people just like you.

It’s safe to conclude that car insurance companies don’t want you to look for a cheaper policy. Drivers who compare rates once a year are highly likely to move their business because of the good chance of finding good coverage at a lower price. A recent study showed that people who compared rates annually saved $850 each year compared to those who never shopped around for better prices.

If finding the lowest rates on auto insurance in Los Angeles is your ultimate target, then learning a little about how to shop and compare insurance coverage can make it easier for you to save money. Lots of insurance companies contend for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute cheapest price on Chrysler Sebring insurance in Los Angeles.

Consumers should take time to compare prices before your next renewal because prices are usually higher with each renewal. Just because you had the lowest rates on Chrysler Sebring insurance in Los Angeles a few years ago a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because we’re going to demonstrate the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

How to shop Chrysler Sebring insurance online

Getting a cheap price on insurance is surprisingly easy. Drivers just need to take the time comparing rate quotes online with multiple companies.

Doing price comparisons online is so simple that it makes it a waste of time to spend your day driving to each insurance agency near you. The fact that you can get quotes online makes this unnecessary unless you prefer the advice and guidance that you can only get from talking to an agent. You can, however, obtain prices from the web but buy the policy through an agent.

The companies in the list below offer quotes in California. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Premium rates and analysis

The data table below highlights different policy rates for Chrysler Sebring models. Understanding more about how insurance quotes are determined can be valuable when making decisions when shopping your coverage around.

Chrysler Sebring Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sebring Touring 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Sebring Limited 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Sebring LX 2-Dr Convertible $314 $546 $442 $26 $132 $1,460 $122
Sebring Touring 2-Dr Convertible $314 $546 $442 $26 $132 $1,460 $122
Sebring Limited 2-Dr Convertible $348 $630 $442 $26 $132 $1,578 $132
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in vehicle location which can increase or decrease price quotes significantly.

The diagram below shows how choosing a deductible and can change Chrysler Sebring insurance prices for different age groups of insureds. The price estimates are based on a single female driver, full coverage, and no policy discounts are applied.

Premiums by gender and age

The information below illustrates the difference between Chrysler Sebring annual premium costs for male and female drivers. The premium estimates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Chrysler Sebring full coverage rates compared to liability only

The chart below compares Chrysler Sebring insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no definitive guideline of when to drop physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Chrysler Sebring settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after you pay the deductible. If it’s costing in excess of $300 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some conditions where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Auto insurance is not optional but you don’t have to overpay

Even though it can be expensive, paying for auto insurance serves a purpose in several ways.

The benefits of carrying adequate insurance definitely exceed the price paid, particularly if you ever have a claim. An average driver in America overpays more than $865 each year so it’s recommended you shop around each time the policy renews to save money.

Five factors that influence insurance premiums

Multiple criteria are considered when quoting car insurance. Some are pretty understandable like your driving record, but other factors are less apparent like your vehicle usage or how financially stable you are. One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that come into play when calculating your policy premiums. When consumers understand what determines premiums, this helps enable you to make changes that could result in big savings.

The items below are some of the major factors used by companies to determine your rate level.

Discount Los Angeles insurance quotes

Insurance can be prohibitively expensive, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but once in a while a discount must be asked about before they will apply.Discount insurance

As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, companies wouldn’t make money that way.

The diagram below shows the difference between Chrysler Sebring insurance prices with and without discounts being applied to the rates. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, marriage, homeowner, and safe-driver discounts applied.

To locate insurers who offer free Chrysler Sebring insurance quotes in California, click this link.

Local neighborhood agents and insurance

Some people just want to buy from a licensed agent and that is a smart decision Professional insurance agents can make sure you are properly covered and give you someone to call. An additional benefit of comparing insurance online is that you can find the best rates but still work with a licensed agent.

Insurance agency in Los AngelesUpon completion of this simple form, your coverage information gets sent to local insurance agents who will give you bids for your business. You don’t have to find an agent since price quotes are sent directly to your email. If you wish to get a rate quote from a specific insurance company, don’t hesitate to visit that company’s website and fill out the quote form the provide.

Finding the right insurance company shouldn’t rely on just a cheap quote. Here are some questions you might want to ask.

If you prefer to buy insurance from a local insurance agency, there are two types of insurance agents and how they are distinctly different. Insurance agencies may be either independent agents or exclusive agents depending on their employer. Either one can insure your vehicles properly, but we need to point out the difference in the companies they write for since it can affect your agent selection.

Exclusive Insurance Agencies

These type of agents can only quote rates from one company and examples are Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so always compare other rates. Exclusive agents are very knowledgeable on what they offer which helps them sell on service rather than price.

Listed below is a short list of exclusive insurance agents in Los Angeles who may provide you with price quotes.

611 Wilshire Blvd #911Los Angeles, CA 90017(213) 239-9675View Map

2727 W Olympic Blvd #102Los Angeles, CA 90006(213) 480-3377View Map

767 N Hill St,109Los Angeles, CA 90012(213) 621-2526View Map

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Independent Insurance Agents

Independent agencies often have affiliation with several companies so as a result can place your coverage through many companies and help determine which has the cheapest rates. If they find a cheaper price, they simply move the coverage in-house and you don’t have to do anything.

When shopping rates, you will definitely want to get quotes from a few independent agents to ensure the widest selection of prices.

Listed below are independent insurance agencies in Los Angeles that are able to give rate quotes.

2861 Robertson BlvdLos Angeles, CA 90034(310) 280-0946View Map

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

11900 W Olympic Blvd #475Los Angeles, CA 90064(800) 966-6830View Map

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In the end, you can save money

Throughout this article, we presented many ideas to shop for Chrysler Sebring insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates are with a small mutual company. These companies may only write in your state and offer lower prices as compared to the big name companies such as Progressive and GEICO.

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Much more information about car insurance in California can be found at these links: