Want cheaper Chrysler Sebring insurance in Philadelphia? Are you irritated from sacrificing to keep your car insured? You are no different than millions of other consumers.
It’s a fact that auto insurance companies don’t want you quoting rates from other companies. Drivers who compare rates annually are inclined to buy a new policy because there is a high probability of finding coverage at a more affordable price. A recent survey discovered that drivers who made a habit of comparing rates saved approximately $865 a year compared to policyholders who never shopped around for better prices.
If finding the best price on Chrysler Sebring insurance is your ultimate objective, learning how to get rate quotes and compare coverage rates can make it easier to shop your coverage around. Many auto insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive lowest price on Chrysler Sebring insurance in Philadelphia.
Best Chrysler Sebring insurance price quotes in Pennsylvania
The companies shown below are our best choices to provide quotes in Pennsylvania. If multiple companies are shown, we suggest you visit two to three different companies in order to find the most competitive rates.
Rates and statistics
The data table displayed below covers different coverage prices for Chrysler Sebring models. Knowing how premiums are figured can help customers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $272 | $682 | $428 | $26 | $128 | $1,536 | $128 |
| Sebring Limited 4-Dr Sedan | $272 | $682 | $428 | $26 | $128 | $1,536 | $128 |
| Sebring LX 2-Dr Convertible | $306 | $682 | $428 | $26 | $128 | $1,570 | $131 |
| Sebring Touring 2-Dr Convertible | $306 | $682 | $428 | $26 | $128 | $1,570 | $131 |
| Sebring Limited 2-Dr Convertible | $342 | $784 | $428 | $26 | $128 | $1,708 | $142 |
| Get Your Own Customized Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific Philadelphia garaging location which can change premiums greatly.
Physical damage deductibles
A question often asked by Philadelphia drivers is at what level do you set your deductibles. The following tables may help to conceptualize the difference in cost of buying low and high physical damage deductibles. The first rate estimation uses a $100 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $284 | $602 | $330 | $20 | $98 | $1,359 | $113 |
| Sebring Limited 4-Dr Sedan | $284 | $602 | $330 | $20 | $98 | $1,359 | $113 |
| Sebring LX 2-Dr Convertible | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Sebring Touring 2-Dr Convertible | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Sebring Limited 2-Dr Convertible | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Sebring Limited 4-Dr Sedan | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Sebring LX 2-Dr Convertible | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Sebring Touring 2-Dr Convertible | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Sebring Limited 2-Dr Convertible | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Get Your Own Customized Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can decrease or increase coverage rates substantially.
We can estimate from the data above that using a $100 deductible will cost in the ballpark of $25 more each month or $300 for a full year than choosing the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 16 months between claim filings, you would probably be better off if you decide on a higher deductible.
The illustration below highlights how deductible choice and can influence Chrysler Sebring insurance premiums for each different age group. The premium estimates are based on a single female driver, full coverage, and no discounts are taken into consideration.
How accidents and tickets impact rates in Philadelphia
The illustration below illustrates how speeding tickets and at-fault collisions can affect Chrysler Sebring annual premium costs for each different age group. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Full coverage versus liability-only
The information below illustrates the comparison of Chrysler Sebring auto insurance rates with full physical damage coverage and with liability coverage only. The data is based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are applied.
Guidelines for eliminating full coverage
There is no definitive guideline for phasing out comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Chrysler Sebring replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after you pay the deductible. If you are paying more than $400 a year for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have 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 totaled, you should keep full coverage on your policy.
Get cheaper rates by earning discounts
The cost of insuring your cars can be expensive, but there are discounts available that you may not even know about. Many of these discounts will be applied automatically at the time of purchase, but a few need to be asked about before being credited.
- Membership in Organizations – Joining specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
- E-sign Discounts – Some companies will discount your bill up to fifty bucks just for signing your application online.
- Low Mileage Discounts – Low mileage vehicles may allow you to get slightly better rates than normal.
- Life Insurance – If the company offers life insurance, you could get better car insurance rates if you take out auto and life insurance together.
- Senior Citizens – Older drivers could receive reduced rates.
- Air Bags and Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts of 25 to 30%.
You should keep in mind that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, you won’t be that lucky.
The information below shows the comparison of Chrysler Sebring insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-car, claim-free, and multi-policy discounts applied.
Popular car insurance companies and some of their more popular discounts are:
- 21st Century offers discounts for student driver, teen driver, good student, air bags, theft prevention, and 55 and older.
- Progressive discounts include multi-vehicle, continuous coverage, multi-policy, online quote discount, online signing, homeowner, and good student.
- State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, good student, defensive driving training, and anti-theft.
- Nationwide policyholders can earn discounts including good student, accident-free, multi-policy, easy pay, defensive driving, and family plan.
- Esurance may have discounts that include emergency road assistance, multi-policy, safety device, multi-car, good driver, online quote, and anti-theft.
- The Hartford may offer discounts for defensive driver, anti-theft, air bag, vehicle fuel type, and good student.
If you need lower rates, check with each company how you can save money. Discounts may not apply to policyholders in your area. To see a list of companies that offer some of these discounts in Philadelphia, follow this link.
Don’t I need to get advice from a local insurance agent?
Certain consumers would rather have an agent’s advice and we recommend doing that Professional insurance agents can answer important questions and will help you if you have claims. One of the benefits of comparing insurance prices online is that you can obtain cheap rate quotes but also keep your business local.
For easy comparison, once you complete this form (opens in new window), the coverage information gets sent to companies in Philadelphia that can give you free Philadelphia auto insurance quotes for your coverage. It makes it easy because there is no need to contact any agents as quotes are delivered directly to you. If you wish to get a price quote from a specific insurance company, don’t hesitate to go to their quote page and complete a quote there.
Deciding on a company needs to be determined by more than just a low price. Below are some questions you should ask.
- Do they regularly work with personal auto policies in Philadelphia?
- Does the agency have a current Errors and Omissions policy?
- If they are an independent agency in Philadelphia, which companies do they recommend?
- Can glass claims be handled at your home?
- Do they have any clout with companies to ensure a fair claim settlement?
- If you are a high risk driver, do they have special markets for your coverage?
Types of car insurance agents in Philadelphia
If you want a good insurance agency, it’s helpful to know the different types of agencies from which to choose. Insurance policy providers can be categorized as either independent or exclusive depending on the company they work for. Either can sell insurance policies, but it’s worth learning how they are different since it can impact which type of agent you select.
Exclusive Insurance Agents
Exclusive agents generally can only insure with one company like Allstate, State Farm and Farmers Insurance. They generally cannot give you multiple price quotes so keep that in mind. Exclusive agencies are usually quite knowledgeable on their company’s products and that enables them to sell even at higher rates.
Shown below are exclusive insurance agents in Philadelphia who may provide you with price quotes.
State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400 – View Map
Jack Stabler – State Farm Insurance Agent
6726 Torresdale Ave – Philadelphia, PA 19135 – (215) 331-4300 – View Map
Craig Alleyne – State Farm Insurance Agent
6335 Wayne Avenue – Philadelphia, PA 19144 – (215) 438-8440 – View Map
Independent Insurance Agencies
Agents in the independent channel do not have single company limitations so they can quote policies with many different companies and find you the best rates. If you are not satisfied with one company, your agent can switch companies and you stay with the same agent.
If you are trying to find cheaper rates, you will definitely want to include rate quotes from independent agents to maximize your price options.
The following is a list of independent agents in Philadelphia that can give you price quotes.
HandM Insurance Agency
5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map
K and A Insurance Agency
5520 Wayne Ave – Philadelphia, PA 19144 – (215) 991-4900 – View Map
Kowalewski Jawork Insurance Agency Inc
706 S 5th St – Philadelphia, PA 19147 – (215) 922-1222 – View Map
Persistent drivers can save
While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. In many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your strategy should be to buy the best coverage you can find at an affordable rate.
Low-cost Chrysler Sebring insurance in Philadelphia is possible both online and with local Philadelphia insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide internet price quotes and usually these small insurance companies prefer to sell through independent agencies.
We just presented many ways to lower your Chrysler Sebring insurance car insurance rates in Philadelphia. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest car insurance rates are with an unexpected company. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like Progressive and GEICO.
More information is located at these links:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a Toyota Corolla in Philadelphia? (FAQ)
- Who Has Affordable Philadelphia Auto Insurance Rates After a Speeding Ticket? (FAQ)
- What Car Insurance is Cheapest for a Ford Explorer in Philadelphia? (FAQ)
- How Much is Philadelphia Car Insurance for Drivers with Accidents? (FAQ)
- How Much are Philadelphia Car Insurance Quotes for a Nissan Sentra? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- How do I File a Claim? (Insurance Information Institute)