Are you tired of trying to find the cheapest Chrysler Sebring insurance in Seattle? Purchasing budget-priced Seattle Chrysler Sebring insurance quotes on the web may be rather difficult for drivers who are beginners to quoting and comparing rates and buying car insurance on the internet. Because there are so many insurers to choose from, how can drivers even start to compare the different rates to find lower car insurance premiums?
It’s astonishing, but most drivers in Washington renewed their policy with the same company for at least the last four years, and nearly the majority have never compared quotes from other companies. U.S. consumers could save up to $860 a year, but they just feel it’s too hard to compare rate quotes.
Consumers need to compare prices quite often because insurance prices fluctuate regularly. Just because you found the lowest price on Chrysler Sebring insurance in Seattle last year you will most likely find a better rate quote today. There is a lot of bad information regarding Sebring insurance online, but in just a couple of minutes you can learn some guaranteed methods to save money.
If you have a policy now, you will definitely be able to shop for the lowest rates using the concepts you’re about to learn. Pricing the best policy in Seattle is quite easy. Although Washington car owners must understand how companies determine what you pay because it varies considerably.
Most of the larger companies like 21st Century, Allstate and State Farm allow consumers to get prices direct online. Getting online quotes for Chrysler Sebring insurance in Seattle is pretty easy as you simply type in the coverages you want into the quote form. When complete, the company’s rating system automatically retrieves your credit score and driving record and returns a price based on these factors.
Using the web to get rates for Chrysler Sebring insurance in Seattle makes comparing rates easy, and it’s also necessary to compare as many rates as possible if you are searching for cheaper rates.
To save time and compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you input coverages and limits exactly as shown on your declarations page. This guarantees you will have rate comparison quotes based on identical coverages.
The providers in the list below have been selected to offer comparison quotes in Washington. If several companies are displayed, we suggest you click on several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $128 | $262 | $304 | $18 | $90 | $802 | $67 |
| Sebring Limited 4-Dr Sedan | $246 | $530 | $300 | $18 | $90 | $1,184 | $99 |
| Sebring LX 2-Dr Convertible | $204 | $420 | $356 | $22 | $106 | $1,108 | $92 |
| Sebring Touring 2-Dr Convertible | $294 | $452 | $386 | $22 | $116 | $1,270 | $106 |
| Sebring Limited 2-Dr Convertible | $286 | $520 | $294 | $18 | $88 | $1,206 | $101 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific zip code location which can affect rates significantly.
Comparison of policy deductibles
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The premium rates below outline the differences in premium rates of buying low and high coverage deductibles. The first data table uses a $100 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $254 | $540 | $294 | $18 | $88 | $1,219 | $102 |
| Sebring Limited 4-Dr Sedan | $254 | $540 | $294 | $18 | $88 | $1,219 | $102 |
| Sebring LX 2-Dr Convertible | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| Sebring Touring 2-Dr Convertible | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| Sebring Limited 2-Dr Convertible | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $140 | $284 | $294 | $18 | $88 | $824 | $69 |
| Sebring Limited 4-Dr Sedan | $140 | $284 | $294 | $18 | $88 | $824 | $69 |
| Sebring LX 2-Dr Convertible | $158 | $284 | $294 | $18 | $88 | $842 | $70 |
| Sebring Touring 2-Dr Convertible | $158 | $284 | $294 | $18 | $88 | $842 | $70 |
| Sebring Limited 2-Dr Convertible | $176 | $328 | $294 | $18 | $88 | $904 | $75 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in specific location information which can change premiums considerably.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $34 more each month or $408 for a full year than choosing the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 26 months between claim filings, you would save more money by going with a higher deductible.
Car insurance rates by gender and age
The information below shows the difference between Chrysler Sebring yearly insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, full coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Impact of speeding/accidents on car insurance rates
The information below demonstrates how traffic citations and fender-benders impact Chrysler Sebring car insurance rates for different age groups. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Get cheaper Chrysler Sebring insurance rates in Seattle
Some providers don’t list every available discount in a way that’s easy to find, so we break down both well-publicized and also the more inconspicuous credits that may apply to you.
- Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may get savings of up to 25% or more.
- New Vehicle Savings – Insuring a new Sebring can save up to 30% because newer models are generally safer.
- Early Signing – Some insurance companies provide a discount for signing up prior to the expiration date on your current Sebring insurance policy. It can save you around 10%.
- Telematics Devices – Drivers that enable companies to spy on driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if their driving habits are good.
- Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a Seattle auto insurance quote.
- Drive Less and Save – Fewer annual miles on your Chrysler may enable drivers to earn cheaper premium rates.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
A partial list of companies that possibly offer these benefits include:
If you need the cheapest Chrysler Sebring rate quotes, ask every prospective company which discounts they offer. Some discounts may not apply to policies everywhere. If you would like to see a list of insurance companies with significant discounts in Seattle, click this link.
Why insurance is not optional
Despite the high cost of buying insurance for a Chrysler Sebring in Seattle, paying for insurance serves a purpose in several ways.
First, most states have minimum liability requirements which means the state requires a minimum amount of liability insurance if you don’t want to risk a ticket. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your car, most lenders will make it mandatory that you have comprehensive coverage to protect their interest in the vehicle. If the policy lapses, the bank will be required to insure your Chrysler for a much higher rate and require you to reimburse them the higher price.
Third, insurance safeguards your Chrysler and your assets. It will also pay for most medical and hospital costs incurred in an accident. As part of your policy, liability insurance will also pay to defend you if you cause an accident and are sued. If your Chrysler gets damaged, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance greatly outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver is wasting up to $810 a year so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.
Car insurance can be complex
When quoting and choosing adequate coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Every situation is different.
These are some specific questions could help you determine if you might need professional guidance.
- What is an SR-22 filing?
- Is a new car covered when I drive it off the dealer lot?
- Will my Chrysler Sebring be repaired with OEM or aftermarket parts?
- Does car insurance cover theft of personal property?
- Is my Chrysler Sebring covered for smoke damage?
- Does coverage extend to a rental car in a foreign country?
- How much liability insurance is required?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Insurance is available from agents near you
Certain consumers would rather buy from a local agent and we recommend doing that An additional benefit of price shopping on the web is that you can obtain cheap insurance quotes and still have an agent to talk to. And buying from neighborhood insurance agencies is definitely important in Seattle.
After filling out this quick form, your coverage information is submitted to insurance agents in Seattle that provide free Seattle auto insurance quotes for your coverage. You won’t need to search for any insurance agencies as quotes are delivered directly to your email. You can find better rates and a licensed agent to talk to. If you have a need to compare prices from one company in particular, you just need to search and find their rate quote page to submit a rate quote request.
Below are Seattle insurance companies that may be willing to give rate quotes for Chrysler Sebring insurance in Seattle.
- Allstate Insurance: Barry V. Hasson
7721 Aurora Ave N – Seattle, WA 98103 – (206) 782-5191 – View Map - Spangler Insurance
431 15th Ave E – Seattle, WA 98112 – (206) 329-7447 – View Map - Greg Nunn – State Farm Insurance Agent
200 Roy St #102 – Seattle, WA 98109 – (206) 284-9700 – View Map - Allstate Insurance: Josh Boender
4453 California Ave SW – Seattle, WA 98116 – (206) 932-2191 – View Map
Picking the best provider is decision based upon more than just a low price. Below are some questions you should ask.
- Does the agent recommend any additional coverage?
- Do they offer claims assistance after hours?
- Is every driver in your family covered?
- Are aftermarket or OEM parts used to repair vehicles?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they offer rental car reimbursement?
If you receive good answers to any questions you have as well as cheap Sebring insurance quotes, most likely you have located an insurance company that will insure your vehicles. Just remember you are able to cancel your policy at any time so don’t think that you’re stuck with the insurance policy indefinitely.