Lower Your 2012 Chrysler 200 Insurance Quotes
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UPDATED: Oct 5, 2015
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Want cheaper insurance coverage rates? Drivers have many options when trying to find the best price on Chrysler 200 insurance. You can either spend your time calling around getting price quotes or utilize the internet to compare rates.
There are both good and bad ways to find insurance coverage online and you need to know the proper way to quote coverages on a Chrysler and obtain the lowest possible price either online or from local insurance agents.
This article will familiarize you with the best way to quote coverages. If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Consumers just need to learn how to shop on the web.
Compare auto insurance price quotes
Finding low cost auto insurance prices is actually quite simple. The only thing you need to do is take a couple of minutes comparing rates to find. Price comparisons can be done in a couple of different ways.
One of the best ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This quick form prevents you from having to do repetitive form entry for every auto insurance company. A single, simple form gets coverage cost estimates from all major companies.It’s the quickest way to get rates.
A harder way to analyze rates consists of visiting each individual company website to request a price quote. For examples sake, we’ll assume you want rates from State Farm, Allstate and Progressive. To get each rate you have to visit each site and repeatedly type in your coverage information, which can be really labor intensive. For a list of companies in your area, click here.
Which method you use is up to you, but make sure you are using exactly the same coverage limits on every quote you get. If your comparisons have mixed coverages you will not be able to determine the best price for your Chrysler 200.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Do auto insurance companies bend the truth?
Consumers can’t ignore all the ads that claim the best prices from companies such as Progressive, Allstate and GEICO. All the ads advertise the message that you’ll save big after switching to their company.
How do they all cost less than your current company? Here is how they do it.
Insurance providers offer their best rates for the driver that earns them the highest profit. One example of a profitable risk profile may need to be a female over age 40, has never had a policy lapse, and insures a new vehicle. Any customer that fits those parameters may get the lowest prices and is almost guaranteed to save some money.
Potential insureds who are not a match for the requirements may be forced to pay higher rates and this results in business going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can make those statements.
Each company has different criteria, so it’s extremely important to quote coverage with many companies. It is just not possible to predict which company will have the best car insurance rates at this point in time.
Five things that determine your insurance rates
Lots of things are considered when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but others are less obvious such as your credit history or your financial responsibility.An important part of buying insurance is that you know some of the things that play a part in calculating your premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that may result in better insurance rates.
The list below includes a few of the “ingredients” that factor into rates.
- Physical damage deductibles – Physical damage insurance, also called ‘full coverage’, covers your vehicle from damage. Some examples of claims that would be covered would be running into the backend of another car, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles are the amount of money you are required to pay if a covered claim is submitted. The more expense you pay before a claim is paid (deductible), the less your insurance will be for 200 coverage.
- City traffic equals higher prices – Being located in areas with lower population has it’s advantages if you are looking for the lowest rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. Residents of big cities tend to have more aggressive driving styles and higher rates of accident claims. Higher commute times statistically corresponds to a higher accident and claim rate.
- Stay claim-free and save money – If you are the type of insured that files lots of claims you should expect higher rates. Auto insurance companies award the lowest premiums to policyholders who are not frequent claim filers. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
- Discounts for alarm systems – Buying a car that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help stop car theft.
- Youthful drivers cost more – Older people have been proven to be more responsible, cost insurance companies less in claims and get fewer tickets.Youthful drivers are proven to be careless and easily distracted when driving so insurance rates are higher.
Discounts for cheap auto insurance quotes
Insuring your vehicles can cost a lot, but you might find some hidden discounts to help bring down the price. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked about before being credited.
- Military Deployment Discount – Being deployed in the military could be rewarded with lower prices.
- Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
- Drive Less and Save – Low mileage vehicles can earn better auto insurancerates on cars that stay parked.
- Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
- Distant Student – Any of your kids who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Policy Bundle Discount – If you insure your home and vehicles with the same company you will save over 10 percent off each policy depending on the company.
- Use Seat Belts – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- Air Bag Discount – Factory options such as air bags or automatic seat belts can get savings as much as 30%.
- Defensive Driver – Completing a course teaching safe driver skills could cut 5% off your bill if your company offers it.
- Memberships – Joining a qualifying organization could earn you a nice discount on your policy.
We need to note that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.
A list of auto insurance companies and the discounts they provide are included below.
- Farm Bureau may include discounts for driver training, safe driver, youthful driver, good student, renewal discount, and multi-policy.
- State Farm offers premium reductions for passive restraint, anti-theft, student away at school, multiple autos, and defensive driving training.
- Progressive has discounts for online signing, multi-policy, online quote discount, continuous coverage, and homeowner.
- Allstate may have discounts that include anti-lock brakes, eSmart discount, premier discount, resident student, and defensive driver.
- Nationwide includes discounts for multi-policy, Farm Bureau membership, defensive driving, anti-theft, good student, accident-free, and family plan.
- MetLife policyholders can earn discounts including multi-policy, good driver, defensive driver, good student, claim-free, accident-free
If you want cheaper insurance coverage quotes, ask each company to give you their best rates. Some credits might not be offered on policies in your area. To find auto insurance companies with discount auto insurance rates, click here to view.
Enter your zip code below to view companies that have cheap auto insurance rates.
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You may need specialized insurance coverage coverage
When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.
For example, these questions might point out if your situation could use an agent’s help.
- Is my cargo covered for damage or theft?
- Am I covered if I wreck a rental car?
- Can my teen drive my company car?
- What is PIP insurance?
- Why is insurance for a teen driver so high?
- Is business property covered if stolen from my car?
- Is my custom paint covered by insurance?
- Is my nanny covered when driving my vehicle?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Car insurance coverage basics
Understanding the coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Coverage for liability
This coverage protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims like repair bills for other people’s vehicles, court costs and attorney fees. How much coverage you buy is up to you, but you should buy as large an amount as possible.
Comprehensive coverage (or Other than Collision)
This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like rock chips in glass, vandalism, hitting a deer, hail damage and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like chiropractic care, surgery and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2012 Chrysler 200.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits do not exceed the liability coverage limits.
Collision coverage protection
Collision insurance covers damage to your 200 from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as crashing into a building, backing into a parked car, scraping a guard rail, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.
Power to the consumer
As you restructure your insurance plan, do not skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.
Consumers who switch companies do it for any number of reasons including policy cancellation, lack of trust in their agent, poor customer service or high prices. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.
You just learned some good ideas how to compare 2012 Chrysler 200 insurance prices online. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting affordable insurance coverage. Drivers may discover the lowest prices come from a small mutual company.
For more information, take a look at the following helpful articles:
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Red Light Cameras (State Farm)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- State Car Insurance Guides (GEICO)