Lower Your 2015 Chrysler 200 Car Insurance Quotes
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UPDATED: Jan 20, 2018
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Trying to find low-cost insurance for a Chrysler 200 can normally be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to compare rates for a new or used Chrysler and get the lowest price.
Smart consumers take time to price shop coverage occasionally because insurance prices trend upward over time. Just because you had the best deal on 200 coverage a year ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn how to use the internet to properly buy coverages while reducing your premium.
These discounts can lower your auto insurance rates
Auto insurance is easily one of your largest bills, but you might be missing out on some discounts to cut the cost considerably. Certain credits will be shown when you purchase, but a few must be inquired about prior to getting the savings. If they aren’t giving you every credit you deserve, you are just wasting money.
- Data Collection Discounts – Insureds who allow driving data collection to analyze where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
- Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off on 200 coverage depending on your auto insurance provider.
- Good Student – Getting good grades can get you a discount of up to 25%. You can use this discount normally until age 25.
- E-sign – A few larger online companies will give a small break for signing up over the internet.
- Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount when shopping for auto insurance.
- Military Discounts – Having a family member in the military may lower your prices slightly.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on medical payment and PIP coverage.
Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
Popular auto insurance companies and a partial list of their discounts are:
- GEICO has discounts for anti-lock brakes, anti-theft, defensive driver, membership and employees, air bags, and driver training.
- MetLife may offer discounts for good student, defensive driver, good driver, claim-free, multi-policy, accident-free
- Progressive may have discounts that include multi-vehicle, online signing, online quote discount, continuous coverage, and good student.
- Travelers offers discounts including driver training, home ownership, IntelliDrive, multi-car, good student, early quote, and save driver.
- SAFECO policyholders can earn discounts including drive less, bundle discounts, anti-theft, multi-car, and accident prevention training.
- AAA discounts include good driver, pay-in-full, anti-theft, multi-car, good student, multi-policy, and AAA membership discount.
Before you buy a policy, ask each company or agent how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area.
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How to get the cheapest auto insurance
Reducing your 2015 Chrysler 200 insurance rates is pretty simple and can save money. Consumers just need to take a few minutes comparing rate quotes from some recommended companies. This can be done using one of these methods.
- Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate forms for every prospective company. A single, simple form gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.
- A more difficult way to find lower rates is to take the time to go to each company website and get a separate price quote. For instance, let’s assume you want to compare USAA, 21st Century and Allstate. To do that, you would have to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.
To view a list of companies in your area, click here.
The approach you take is up to you, just be sure to compare the same deductibles and coverage limits for each quote you get. If you are comparing mixed coverages it will be impossible to find the best deal for your Chrysler 200.
Six things that impact your insurance rates
The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that go into determining the level of your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that may reward you with lower auto insurance prices.
- Where you live can modify costs – Having an address in small towns and rural areas is a good thing if you are looking for the lowest rates. Lower population means fewer accidents in addition to fewer liability claims. City drivers tend to have more auto accidents and longer commutes to work. Spending more time driving statistically corresponds to a higher accident and claim rate.
- Having a spouse is a bonus – Getting married can actually save you money compared to being single. Marriage translates into being more mature and responsible it has been statistically shown that being married results in fewer claims.
- Driving citations cost more than a fine – Your driving record has a big impact on rates. Drivers who don’t get tickets pay less for auto insurance compared to drivers with tickets. Only having one speeding ticket can increase rates by as much as thirty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state motor vehicle department in order to legally drive.
- When should you not file a claims? – Car insurance companies award better rates to insureds who file claims infrequently. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Your car insurance is designed for major claims that would cause financial hardship.
- Allowing your coverage to lapse raises rates – Having an insurance coverage lapse can be a guaranteed way to trigger a rate increase. And not only will your rates increase, getting caught without coverage can result in fines or a revoked license.
- Teenage vs. older drivers – More mature drivers are more cautious drivers, cost insurance companies less in claims , and are generally more financially stable.Inexperience drivers are proven to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
Different people need different car insurance coverages
When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.
These are some specific questions can help discover whether your personal situation could use an agent’s help.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is business property covered if stolen from my car?
- Do I need medical payments coverage since I have good health insurance?
- Am I covered when using my vehicle for business?
- Do I need added coverage for expensive stereo equipment?
- Am I covered if my car is in a flood?
- Should I bundle my homeowners policy with my auto?
- Is there coverage for injuries to my pets?
- What exactly is covered by my policy?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
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Do drivers who switch really save?
Drivers can’t avoid all the ads for auto insurance savings by 21st Century, Allstate and State Farm. They all convey the message that drivers can save some big amount just by moving to their company.
It sounds good, but how can they all have lower policy pricing? It’s all in the numbers.
Insurance providers have a certain “appetite” for the type of driver that will add to their bottom line. For example, this type of risk profile could be a mature driver, is a homeowner, and drives a car with an anti-theft system. Any driver who matches those parameters will get low car insurance rates and as a result will probably cut their rates substantially.
Potential insureds who don’t measure up to these standards will be charged higher premiums which leads to the customer not purchasing. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way companies can truthfully make the claims of big savings. This really illustrates why it’s extremely important to do a rate comparison at every renewal. It’s just too difficult to predict which company will have better rates than you’re paying now.
Insurance policy coverages for a Chrysler 200
Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as fire damage, hitting a bird, damage from flooding, a tree branch falling on your vehicle and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability insurance covers claims such as bail bonds, court costs and loss of income. How much coverage you buy is up to you, but consider buying as much as you can afford.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance reimburse you for bills like funeral costs, doctor visits, surgery and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. 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 an option in every state but can be used in place of medical payments coverage
This pays for damage to your 200 from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, sideswiping another vehicle, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.
Coverage on a shoestring budget
Cheap 2015 Chrysler 200 insurance can be sourced from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies do not offer rates over the internet and usually these regional carriers work with independent insurance agents.
Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, high prices, being labeled a high risk driver and even policy cancellation. No matter why you want to switch, finding a new insurance company is less work than it seems.
When getting insurance coverage quotes online, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced liability coverage limits only to find out that they should have had better coverage. The aim is to buy enough coverage at the best cost, but do not skimp to save money.
Additional insurance information can be found below: