Compare 2011 Chrysler 200 Insurance Quotes
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UPDATED: Oct 5, 2015
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Searching for lower auto insurance rates for your Chrysler 200? Are you confused by the wide range of auto insurance companies available to you? You’re not alone. There are so many companies to choose from that it is a chore to lower your rates.
Buying more affordable coverage can be fairly easy. Essentially every driver who is required by state law to have car insurance will be able to find lower rates. But vehicle owners need to learn how companies market on the web and apply this information to your search.
Discounts can really help save money
Car insurance companies don’t always list every discount in a way that’s easy to find, so the list below gives a summary of some of the more common and the harder-to-find insurance savings.
- No Charge for an Accident – but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
- Military Rewards – Being on active deployment in the military could mean lower premium rates.
- No Accidents – Drivers who don’t have accidents can earn big discounts as opposed to drivers who are more careless.
- Save over 55 – Seniors can get a discount up to 10% on 200 coverage.
- Multiple Cars – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
- Student in College – Older children who are attending college and do not take a car to college could get you a discount.
- Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Policy Bundle Discount – If you have multiple policies with one company you will save nearly 15% which can help you find cheap insurance.
It’s important to understand that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will definitely reduce the premium cost.
A partial list of companies that may have many of the previously listed discounts may include but are not limited to:
Before purchasing a policy, check with all companies you are considering how you can save money. Discounts may not apply in your area. To locate companies that offer some of these discounts, click this link.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Will just any policy work for me?
When buying the best insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.
For instance, these questions can aid in determining if your situation could use an agent’s help.
- Are all vehicle passengers covered by medical payments coverage?
- Does my policy pay for OEM or aftermarket parts?
- Why am I be forced to buy a membership to get insurance from some companies?
- Should I waive the damage coverage when renting a car?
- Do I get a pro-rated refund if I cancel my policy early?
- What exactly is covered by my policy?
- Does insurance cover tools stolen from my truck?
- How much underlying liability do I need for an umbrella policy?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.
Car insurance coverage information
Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hail damage, falling objects and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Collision coverage covers damage to your 200 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
Auto liability insurance
This will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as emergency aid, structural damage, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, rehabilitation expenses, pain medications, dental work and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Online plus local equals savings
While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut physical damage coverage only to regret that it was a big mistake. The aim is to buy the best coverage you can find at the best price and still be able to protect your assets.
Insureds leave their current company for a variety of reasons including policy cancellation, high rates after DUI convictions, extreme rates for teen drivers and an unsatisfactory settlement offer. Regardless of your reason, finding a new insurance coverage company is pretty easy and you might even save some money in the process.
There are still a few companies who may not provide price quotes online regional carriers provide coverage only through independent insurance agencies. Low-cost 2011 Chrysler 200 insurance can be found online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
Additional information can be read on the following sites:
- Credit and Insurance Scores (Insurance Information Insitute)
- Credit Impacts Car Insurance Rates (State Farm)
- Senior Drivers (Insurance Information Insitute)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)