Compare 2013 Chrysler 200 Insurance Rates

Buying cheap insurance coverage can seem to be difficult for vehicle owners not familiar with buying insurance over the internet. With a ridiculous number of companies competing online, how can vehicle owners efficiently compare every insurance coverage company to find cheaper insurance coverage rates?

You should take the time to do rate comparisons periodically because insurance coverage prices go up and down regularly. Just because you found the lowest rates for 200 insurance a couple years back there may be better deals available now. Don’t believe everything you read about insurance coverage online, but we’re going to give you some tested techniques to find cheap insurance coverage.

Use discounts on insurance

Insurance can be prohibitively expensive, but you may qualify for discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but once in a while a discount must be specially asked for prior to receiving the credit.

• Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts as opposed to drivers who are more careless.
• Drive Less and Save – Low mileage vehicles can earn better insurancerates on cars that stay parked.
• Defensive Driver Discount – Passing a class that teaches defensive driver techniques may get you a small discount and make you a better driver.
• Active Military Service – Being deployed with a military unit could mean lower rates.
• Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
• Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
• Distant Student – Older children who live away from home to go to college without a vehicle on campus may qualify for this discount.
• Online Discount – A few insurance companies provide a small discount for buying your policy on your computer.
• Save with a New Car – Buying insurance on a new vehicle can cost up to 25% less because new vehicles are generally safer.

You should keep in mind that many deductions do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

A list of companies and a partial list of their discounts are outlined below.

• State Farm offers discounts including Steer Clear safe driver discount, Drive Safe & Save, good driver, passive restraint, multiple policy, and student away at school.
• Progressive policyholders can earn discounts including multi-policy, multi-vehicle, online quote discount, good student, continuous coverage, online signing, and homeowner.
• Travelers includes discounts for new car, IntelliDrive, save driver, good student, student away at school, and home ownership.
• American Family may offer discounts for bundled insurance, good student, air bags, TimeAway discount, defensive driver, and multi-vehicle.
• Liberty Mutual offers discounts for preferred payment discount, new vehicle discount, multi-policy, teen driver discount, exclusive group savings, and safety features.

When comparing rates, check with all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in your area. To choose insurers who offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions might point out if you could use an agent’s help.

• How much liability do I need to cover my assets?
• Why am I required to get a high-risk car insurance policy?
• Is rental equipment covered for theft or damage?
• Do I get a pro-rated refund if I cancel my policy early?
• Do I need more liability coverage?
• Does my personal policy cover me when driving out-of-state?
• I have a DUI can I still get coverage?
• Is pleasure use cheaper than using my 2013 Chrysler 200 to commute?
• Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Learn about insurance coverages for a Chrysler 200

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2013 Chrysler 200.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance – This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as emergency aid, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, damage from getting keyed, fire damage, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim 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.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills for doctor visits, chiropractic care, EMT expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your 200 from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, crashing into a building, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Don’t throw your cash in the trash

We covered many tips how you can reduce 2013 Chrysler 200 insurance rates online. The most important thing to understand is the more providers you compare, the higher your chance of finding cheap car insurance. Drivers may discover the lowest rates come from a lesser-known regional company.

When getting car insurance quotes online, you should never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

Affordable 2013 Chrysler 200 insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and most of the time these small insurance companies only sell coverage through local independent agents.

To read more, link through to the resources below:

• Distracted Driving Extends Beyond Texting (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)
• Auto Insurance 101 (About.com)
• Top Signs Your Brakes are Giving Out (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)