Cheap 2017 Chrysler 200 Insurance Rates

Consumers have a choice when looking for the best price on Chrysler 200 insurance. They can either spend hours driving around to compare prices or use the internet to compare rates. There is a right way and a wrong way to buy car insurance so you’re going to learn the absolute fastest way to price shop coverage on a Chrysler and find the lowest price.

Chrysler 200 insurance price factors

Multiple criteria are part of the equation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are more transparent such as whether you are married and annual miles driven.The best way to find cheaper car insurance is to take a look at the factors that are used to determine your car insurance rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can earn you better car insurance rates.

• Lower car insurance rates with alarms and GPS tracking – Driving a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop vehicle theft.
• Allowing your coverage to lapse raises prices – Letting your insurance expire will be a quick way to pay more for car insurance. Not only will you pay more, the inability to provide proof of insurance could earn you fines and jail time.
• Car and home together may be cheaper – Most larger insurers afford a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to comparison shop to make sure you are getting the best deal.
• Keep the miles off and save – The more you drive annually the higher your rates will be. A lot of insurance companies rate vehicles based on their usage. Vehicles that do not get driven very much qualify for better rates than those used for commuting. Ask your agent if your car insurance declarations sheet is showing the correct driver usage. Having the wrong rating on your 200 may be wasting your money.

Shop insurance coverage online

There are several ways to compare insurance coverage prices and some are easier and takes less work. You can spend your afternoon talking to agents in your area, or you can stay home and use the web to maximize your effort.

Most of the best insurance companies participate in an industry program where prospective buyers send in one quote, and every company then returns a price quote based on that data. This eliminates the need for quotation requests for every insurance coverage company.

To compare rates using this form now click here (opens in new window).

The only downside to comparing rates this way is you can’t choose which providers to receive prices from. So if you want to select individual companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but try to use equivalent coverages and limits for every company. If your comparisons have mixed coverages it’s impossible to truly determine the lowest rate.

Drivers who switch save $461 a year? Really?

Drivers get pounded daily by advertisements for car insurance savings from companies such as Allstate, Geico and Progressive. All the companies state the claim that people will save if you change your policy.

How is it possible that every company can charge less that you’re paying now? It’s all in the words they use.

Many companies have specific criteria for the type of driver that will most likely be profitable. A good example of a profitable insured might be described as between the ages of 30 and 45, carries high limits, and has great credit. A propective insured who fits those characteristics is entitled to the best price and will also save some money.

People who are not a match for those standards will be quoted higher premium rates which results in the customer not purchasing. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save that much money. That’s the way companies can truthfully state the savings. That is why you need to compare free auto insurance quotes often. You cannot predict with any certainty which company will provide the lowest rates.

These discounts can reduce auto insurance rates

Companies offering auto insurance do not list all their discounts very well, so the list below contains some of the best known as well as some of the hidden auto insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• Distant Student Discount – College-age children who live away from home at college and do not have a car could qualify for this discount.
• ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
• Auto/Home Discount – When you combine your homeowners and auto insurance with one company they may give you a discount of approximately 10% to 15%.
• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on 200 insurance compared to accident prone drivers.
• Auto/Life Discount – Insurance companies who offer life insurance give a break if you buy some life insurance too.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off the personal injury premium cost.
• Accident Forgiveness – but companies like Geico, State Farm, and Progressive will let one accident slide without raising rates if you are claim-free for a specific time period.
• Claim-Free Discount – Claim-free drivers can earn big discounts as compared to bad drivers.
• Own a Home and Save – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.

One last thing about discounts, most discounts do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works.

Some of the larger companies that may offer some of the above discounts are:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you need lower rates, check with all companies you are considering to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area. To view companies that have a full spectrum of discounts, click here.

When do I need an agent’s advice?

When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my cargo covered for damage or theft?
• Why does it cost so much to insure a teen driver?
• Is my babysitter covered when using my vehicle?
• Is my business laptop covered if it gets stolen from my vehicle?
• When can I cancel my policy?
• How can I get high-risk coverage after a DUI?
• Does my 2017 Chrysler 200 qualify for pleasure use?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance 101

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chrysler 200.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage – Collision insurance pays for damage to your 200 resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, attorney fees, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, vandalism, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a penny pincher

Some insurance providers may not have the ability to get quotes online and most of the time these regional insurance providers provide coverage only through local independent agencies. More affordable insurance coverage is available both online and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money.

We covered a lot of ways to compare 2017 Chrysler 200 insurance car insurance rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest car insurance rates come from a small mutual company.

When searching for inexpensive auto insurance quotes, do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

More detailed insurance coverage information can be found at these sites:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Neck Injury FAQ (iihs.org)