How Much Does 2002 Chrysler Voyager Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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Are you overwhelmed by the dozens of insurance companies? Many other drivers are as well. People have so many options available that it can be a challenge to compare prices.

Discounts can save BIG

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specifically requested in order for you to get them.

  • No Claims – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% on Voyager insurance.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous. But any discount will help reduce your premiums.

Companies that may have these benefits include:

It’s a good idea to ask every prospective company what discounts are available to you. Savings might not be offered everywhere.

Insurance Coverage Prices Online

Most companies such as Allstate, GEICO and Progressive give price estimates directly from their websites. Getting quotes doesn’t take much effort as you just type in your personal and coverage information as detailed in the form. After you complete the form, the company’s rating system orders information on your driving record and credit history and gives you a price quote.

Being able to quote online helps simplify price comparisons, but the time required to go to multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to get a lower rate.

Rate comparisons made easy

The quickest way to compare rates is to use a quote form that gets price quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much easier to do. After sending your information, it is quoted and you are able to buy any of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you can save on insurance coverage, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you input the insurance coverages exactly as shown on your declarations page. This guarantees you will have a fair comparison based on similar coverages.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether you could use an agent’s help.

  • What is the ISO rating for a 2002 Chrysler Voyager?
  • Am I covered if I hit a deer?
  • Why do I only qualify for high-risk insurance?
  • Why am I required to get a high-risk car insurance policy?
  • How can I force my company to pay a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance 101

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision – This will pay to fix damage to your Voyager resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hail damage, falling objects, damage from getting keyed and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2002 Chrysler Voyager.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like dental work, nursing services, chiropractic care, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – This protects you from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, pain and suffering, structural damage, court costs and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Shop Smart and Save

Consumers switch companies for any number of reasons including high prices, policy non-renewal, policy cancellation and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

Budget-conscious 2002 Chrysler Voyager insurance is attainable both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits only to find out that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

Additional insurance information can be found at the links below

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