Compare 2011 Chrysler 200 Insurance Quotes

Are you sick and tired of being strong-armed to insure your Chrysler every month? Your situation is no different than many other vehicle owners. There are many auto insurance companies to choose from, and although it’s a good thing to have a choice, lots of choices makes it harder to compare company pricing.

Consumers need to check insurance prices before your next renewal due to the fact that insurance prices change frequently. Even if you think you had the best rates for 200 coverage on your last policy you will most likely find a better premium rate today. Block out anything you think you know about insurance because you’re going to get a crash course in the right way to find better rates and still maintain coverage.

Buy auto insurance online

Finding low cost auto insurance rates can be quick and easy. The only requirement is to spend a little time comparing rates from some recommended companies. This can be accomplished by using one of the methods below.

Hands down the most simple method to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for repetitive form submissions for every auto insurance company. One form submission compares rates instantly.

A different way to obtain and compare quotes online is to manually visit each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want to see prices from Farmers, Liberty Mutual and Geico. You would be required to navigate to each company’s site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make sure you are using exactly the same coverages and limits on every price quote you get. If each company quotes unequal deductibles or liability limits you will not be able to decipher which rate is best.

More affordable rates by receiving discounts

Insurance coverage is neither fun to buy or cheap, but you may qualify for discounts that you may not even know about. Some discounts will apply when you quote, but occassionally some discounts must be specially asked for before they will apply. If you are not receiving all the discounts you deserve, you are throwing money away.

• Lower Rates for Military – Being on active deployment in the military could be rewarded with lower premium rates.
• Good Grades Discount – Performing well in school may save as much as 25% on a auto insurance quote. Most companies allow this discount up to age 25.
• Safety Course Discount – Taking time to complete a driver safety course may get you a small discount and also improve your driving technique.
• Distant Student – Any of your kids living away from home attending college and do not take a car to college can receive lower rates.
• First Accident Forgiveness – Not really a discount, but certain companies will turn a blind eye to one accident without raising rates so long as you haven’t had any claims before the accident.
• Low Mileage – Keeping the miles down on your Chrysler can qualify you for lower premium rates due to less chance of an accident.
• Data Collection Discounts – Policyholders that allow data collection to scrutinize their driving habits by using a telematic data system such as Progressive’s Snapshot may see discounts if they have good driving habits.
• Discounts for Multiple Vehicles – Insuring all your vehicles with one company could earn a price break for each car.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and qualify for as much as a 10% discount.
• Accident-Free Discounts – Good drivers with no accidents have much lower rates in comparison with frequent claim filers.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, you won’t be that lucky.

For a list of companies that offer many of these discounts, click this link.

Informed consumers can reduce insurance rates

Part of the insurance buying process is learning some of the things that go into determining your policy premiums. If you know what determines base rates, this allows you to make educated decisions that could help you find better insurance rates.

• Extra coverages could be costing you – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying if you don’t pay attention. Coverage for things like roadside assistance, towing, and motor club memberships are some examples. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.
• Annual mileage and car insurance prices – The more you drive each year the higher the price you pay to insure it. The majority of insurers calculate rates partially by how you use the vehicle. Autos that sit idle most of the time receive better premium rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your insurance policy shows how each vehicle is driven. Having the wrong rating on your 200 may be costing you.
• Safer cars save money – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Battle of the sexes – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. They both are responsible for fender benders at about the same rate, but the males tend to have higher claims. They also have more aggressive citations such as DWI and reckless driving.
• Traffic violations mean higher premiums – Being a careful driver can have a huge impact on auto insurance premiums. Even one chargable violation could increase your next policy renewal by twenty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers unfortunate enough to have severe violations such as reckless driving or DUI might be required by their state to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.
• Liability is critical – Liability insurance is the coverage that protects you in the event that you are ruled to be at fault for damages caused by your negligence. This coverage provides legal defense coverage starting from day one. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Increase comp and collision deductibles to save – Physical damage insurance, also called ‘full coverage’, helps pay for damage to your vehicle. A few examples of covered claims are collision with another vehicle, collision with an animal, or theft. The deductibles represent how much money you are required to spend out-of-pocket if the claim is covered. The more you choose to pay out-of-pocket, the lower your rates will be for 200 coverage.
• Younger drivers cost more – Young drivers have been known to be inattentive when driving therefore insurance rates are much higher. Adding a teen driver to your policy can be very expensive. Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.

Your insurance coverage coverage should be tailored to you

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether you would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• What if I don’t agree with a claim settlement offer?
• Is my camper covered by my car insurance policy?
• Does insurance cover damages from a DUI accident?
• Will my rates increase for filing one claim?
• Should I put collision coverage on all my vehicles?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How high should deductibles be on a 2011 Chrysler 200?
• Should I buy only the required minimum liability coverage?
• Am I missing any policy discounts?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance myths debunked

Consumers can’t get away from ads that claim the best rates from the likes of State Farm, Geico and Progressive. They all seem to make the point about savings if you just switch to their company.

But how can every company charge less that you’re paying now? This is the trick they use.

Different companies have specific criteria for the type of insured that makes them money. A good example of a driver they prefer could possibly be a mature driver, has no prior claims, and has great credit. Any new insured that fits those parameters receives the best car insurance rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall short of this ideal profile will get a higher rate with the end result being business going elsewhere. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently make the claims of big savings.

This really drives home the point why drivers must compare rate quotes every year. It’s not possible to predict which auto insurance company will give you the biggest savings.

Car insurance 101

Learning about specific coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Coverage for liability – Liability coverage provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like loss of income, bail bonds, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverage – This coverage covers damage to your 200 from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Chrysler 200.

Because many people 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. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from getting keyed, hitting a bird and vandalism. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, hospital visits, surgery and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Make an honest buck

Cheaper insurance coverage can be bought online and with local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance coverage companies may not provide rates over the internet and many times these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Additional detailed information can be found at these sites:

• Neck Injury FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)