Cheaper 2016 Chrysler 200 Insurance Rates

Looking for the cheapest insurance coverage rates? Shoppers have lots of choices when shopping for low-cost Chrysler 200 insurance. You can either waste hours calling around trying to get quotes or save time using the internet to compare rates.

There is a better way to shop for insurance coverage and we’ll show you the proper way to price shop coverage on a Chrysler and locate the cheapest rates from local insurance agents and online providers.

How much does car insurance cost?

All the larger car insurance companies like State Farm and Allstate make it easy to get prices for coverage online. Getting prices online doesn’t take a lot of time as you simply enter your coverage preferences into the quote form. After the form is submitted, the company’s rating system sends out for credit information and your driving record and returns pricing information determined by many factors.

Quoting online makes comparing rates easy, but having to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you want to get better car insurance pricing.

A better way to get multiple rate quotes requires only one form that analyzes rates from several different companies. The form is fast, requires less work, and makes online price comparison a lot less work. After sending your information, it is quoted and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you can click and sign and buy the policy. This process only takes a few minutes and you will know how your current rates stack up.

To compare rates using this form now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in just like they are on your policy. Doing this guarantees you will have rate comparison quotes for the exact same coverage.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine whether you could use an agent’s help.

• Am I covered if I wreck a rental car?
• Are all vehicle passengers covered by medical payments coverage?
• Am I insured when driving a different vehicle?
• Is my camper covered by my car insurance policy?
• Can I afford to buy a different vehicle if my 2016 Chrysler 200 is totaled?
• Can I rent a car in Mexico?
• When would I need additional glass coverage?
• Do I have coverage if my license is suspended?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages explained

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision insurance

This coverage will pay to fix damage to your 200 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance

This coverage provides protection from damage or injury you incur to a person or their property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as court costs, funeral expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like chiropractic care, ambulance fees, prosthetic devices, EMT expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, hail damage and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chrysler 200.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.