Lower Your 2014 Chrysler 200 Insurance Quotes

Searching for lower car insurance rates for your Chrysler 200? Think you have an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you.

Companies like Progressive, Geico and Farmers Insurance increase brand awareness with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and find the best price available.

It’s a good habit to do price comparisons quite often because prices tend to go up over time. Just because you found the best rate for 200 coverage six months ago you can probably find a better premium rate now. Block out anything you think you know about car insurance because I’m going to teach you how to use online quotes to lower your annual insurance bill.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Finding the best rates is not rocket science. Although vehicle owners must comprehend how insurance companies compete online because it can help you find the best coverage.

How to shop insurance coverage online

There are several ways to compare prices from many different insurance companies. The easiest way by far to do a complete rate comparison is simply to get online rate quotes. This can be done in several different ways.

1. Probably the best way consumers can analyze rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for repetitive form submissions for every prospective company. A single form will return price quotes from several companies.
2. A different way to obtain and compare quotes online consists of going to each company’s website to request a price quote. For sake of this example, we’ll pretend you want to compare Allstate, 21st Century and GMAC. You would be required to spend time on each company’s site and type in your information over and over, which is why most consumers use the first method.

   For a list of links to insurance companies in your area, click here.

3. The hardest method of getting rate comparisons is physically going to different agent offices. Quoting online has reduced the need for local agents unless you prefer the extra assistance of a local agent. However, consumers can compare the best prices online but buy from a local insurance agent.

Whichever method you choose, make sure you compare the same coverage data for each quote you get. If you have different data you will not be able to make a fair comparison for your Chrysler 200. Just a small difference in limits can mean a large discrepancy in price. It’s important to know that comparing all the rates in your area helps locate more affordable rates. Not every company allows you to get online quotes, so it’s recommended that you also compare quotes from the smaller companies as well.

More affordable rates with these auto insurance discounts

Some insurance providers don’t necessarily list every available discount very well, so the list below contains a few of the more common and the more hidden savings tricks you should be using when you buy insurance online.

• No Claims – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote as compared to drivers with a long claim history.
• Paperless Signup – Many auto insurance companies will give you a small discount for buying a policy and signing up on your computer.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less because new model year vehicles keep occupants safer.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a insurance quote.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

A partial list of companies that may include most of the discounts above possibly include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When getting a coverage quote, ask each insurance company what discounts are available to you. Some of the earlier mentioned discounts may not be available in your area. To see providers that offer discounts, click this link.

Buy Chrysler 200 insurance cheaper

An important part of buying insurance is that you know some of the factors that help calculate the price you pay for insurance coverage. When consumers understand what controls the rates you pay, this helps enable you to make changes that may reward you with big savings.

• Prevent theft and save – Owning a car with an alarm system can save you a little every year. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft and help lower rates.
• Tickets hurt – Whether or not you get tickets influences premium rates substantially. Only having one chargable violation can bump up the cost twenty percent or more. Good drivers tend to pay less for car insurance as compared to those with violations. Drivers unfortunate enough to have multiple tickets such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.
• Experienced drivers save more – Beginning drivers are proven to be inattentive when driving and because of this, their insurance coverage rates are much higher. Parents adding a first-time driver onto your insurance coverage will cause a huge premium hike. More experienced drivers are shown to be more cautious, file fewer claims and get fewer tickets.
• Never let your insurance coverage policy lapse – Having an insurance coverage lapse can be a quick way to pay more for insurance coverage. And not only will insurance be more expensive, the inability to provide proof of insurance may result in a license revocation or jail time. You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
• More stress means more cost – Occupations like lawyers, architects and financial analysts generally pay higher premium rates attributed to intense work-related stress and lengthy work days. Conversely, occupations such as scientists, engineers and homemakers pay the least for 200 coverage.
• Discounts for auto and home policies – Most major insurance coverage companies allow a discount to insureds that have more than one policy in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, consumers should still comparison shop to help ensure you have the lowest rates.

Car insurance can get complicated

When it comes to buying adequate coverage, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• I have a DUI can I still get coverage?
• Is business equipment covered while in my vehicle?
• Is other people’s property covered if stolen from my vehicle?
• How do I insure my teen driver?
• Is my Chrysler 200 covered if I use it for business?
• What should my uninsured motorist coverage limits be in my state?
• Do I pay less for low miles?
• Why am I required to buy high-risk coverage?
• Will my rates increase for filing one claim?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have 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.

Liability insurance covers claims like pain and suffering, loss of income and attorney fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses like rehabilitation expenses, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, falling objects and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Chrysler 200.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Quote often and quote early

In this article, we presented a lot of tips how to compare 2014 Chrysler 200 insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest priced insurance coverage comes from a lesser-known regional company. Some small companies can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

When getting insurance quotes online, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost.

To learn more, feel free to visit these articles:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Insurance Learning Center (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)