How Much Does 2015 Chrysler 200 Insurance Cost?

Want the cheapest car insurance rates for your Chrysler 200? Trying to find the cheapest insurance for a Chrysler 200 can normally be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to find car insurance online and you need to know the proper way to price shop coverage for a Chrysler and get the best price possible from both online companies and local agents.

Affordable car insurance

Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way. You could spend the better part of a day talking to insurance companies in your area, or you can stay home and use online quotes to maximize your effort.

Most of the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and every company then gives them pricing based on that information. This prevents consumers from doing repetitive form submissions to every company. To find out how much you can save on car insurance click here to start a free quote.

The only drawback to using this type of form is you cannot specify which insurance companies you will receive quotes from. So if you prefer to choose specific providers to compare, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but be sure to compare equivalent coverage information on every quote you get. If you use different values for each quote it will be nearly impossible to make a fair rate comparison.

Special considerations

When it comes to buying the best insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • Is my teenager covered with friends in the car?
  • I don’t drive much so do I pay less?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my babysitter covered when using my vehicle?
  • What are the best liability limits?
  • Can my teen drive my company car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverage options for a 2015 Chrysler 200

Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability insurance

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as structural damage, repair costs for stationary objects, legal defense fees, medical expenses and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your 200 resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2015 Chrysler 200.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like doctor visits, prosthetic devices, X-ray expenses, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, falling objects and damage from getting keyed. The highest amount 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 consider removing comprehensive coverage.

Comments About 200 Insurance

  1. Donte Rosario

    In Detroit, MI try State Farm or GEICO. Both had decent prices.

  2. Keeley Mathis

    IT’S ALL TOO EXPENSIVE! Checking in from Norfolk, Virginia. Received rates from State Farm, Eastwood, and Hartford for my Chrysler and I’m now saving $16 a month. Not sure about claim service.

  3. Kamilah Woodward

    Lots of useful info here. Live in Rapid City, SD. Quoted rates from GEICO, Auto-Owners, Erie, and GMAC for my 200 and I think I saved around $30 each month. They have a lot of discounts available. Bought it from an online quote. I don’t have comp or collision coverage.

  4. Jolynn Keith

    I got a good deal I think. I live in a small town just outside of Providence, RI. Went online for free insurance quotes for a 200. Ended up at about $110 savings annually. Went with State Farm. Hardly afford to drive anymore. It’s only liability tho.

  5. Bok Trevino

    Just a quick comment on my experience. Located in Shreveport, Louisiana. I got free prices from GEICO, Amica, and Encompass for my 2015 Chrysler 200 and I’m now saving $21 a month. Was with MetLife. I have a couple other vehicles on the policy. They offer free online rate quotes.

  6. Jenniffer Fernandez

    Lots of good stuff here. I’m in the west part of Minneapolis, MN. Compared rates from a lot of places. Saved right around $30 a month. 21st Century was the cheapest for me.

  7. Chery Maddox

    Cheaper not always better. I’m just north of Bridgeport, Connecticut. Got car insurance quotes with AAA, Mercury, and a few others for my 2015 Chrysler 200 and I’m now saving $24 a month. It never hurts to quote around. Book value doesn’t justify full coverage anymore.

  8. Altha Mendez

    Where is cheaper car insurance? I live just outside Aberdeen, SD. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the cheapest for me. Even increased coverage a bit. Just go online and compare their rates. I don’t have comp or collision coverage.

  9. Alonso Phillips

    200 + Allstate = CHEAP! At least inHawaii anyway.

  10. Delmar Garrett

    All companies are crooks. Live in the southern part of Worcester, MA. Quoted quotes from Hartford, American Family, Safeco, and a couple others for my 2015 Chrysler 200 and I think I saved about $20 each month. Left Eastwood to switch. I get multi-vehicle and multi-policy discounts. Wish I didn’t have to insure at all.

  11. Laci Hutchinson

    Will 21st Century rates go up if I file a claim?

  12. Sana Anthony

    I compared a lot of rate quotes for a 200 in Tampa, FL. Ended up at roughly $100 every six months with Auto-Owners. I get multi-vehicle and multi-policy discounts. Not worth enough to pay for comprehensive and collision.

  13. Claudio Dyer

    Checking in from Las Cruces, NM. Compared rates from a lot of places. Saved roughly $20 a month. Allstate was the best choice for me. Left GMAC to switch. I just quoted rates online.

  14. Catherina Christian

    Need cheaper insurance rates for my teenage driver in Los Angeles, CA!!

  15. Elwood Rodriguez

    State Farm is decent in Charleston, WV.

  16. Hyman Mercer

    Hope my car insurance gets cheaper. From west side of Grand Forks, ND. Quoted with Hanover, American Family, Sentry, and a couple others for my Chrysler and saved around $100 a year.

  17. Mae Harrington

    I’m in Milwaukee, WI and need high risk coverage. Help!

  18. Shawana Flores

    Any Allstate or Esurance customers near Worcester, Massachusetts?

  19. Rosemarie Cote

    Hope my car insurance gets cheaper. Proud to be from Aurora, CO. Went online for free insurance quotes for a 200. Ended up at about $90 savings annually. Went with 21st Century. Insured with 21st Century before.