Trying to find better insurance prices for a new or used Chrysler 200 could be difficult, but you can follow the following methods to find lower rates.
There is a right way and a wrong way to shop for auto insurance and you need to know the quickest way to get price quotes on a Chrysler and locate the lowest price.
Companies offer discounts so take them!
The cost of insuring your cars can be expensive, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be specifically requested before they will apply.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
- No Accidents – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
- New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- E-sign – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Low Mileage Discounts – Driving fewer miles could be rewarded with a substantially lower rate.
- Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Federal Government Employee – Active or retired federal employment could cut as much as 10% off on 200 insurance depending on your company.
- Clubs and Organizations – Belonging to a qualifying organization may earn a discount on auto insurance on 200 insurance.
Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. But any discount will reduce your premiums.
For a list of insurance companies who offer auto insurance discounts, click this link.
Finding Auto Insurance
Most companies like State Farm, GEICO and Progressive allow you to get prices directly from their websites. Obtaining pricing is quite simple as you just enter your coverage preferences as requested by the quote form. When the form is submitted, their system orders your driving record and credit report and gives you a price quote.
Being able to quote online simplifies rate comparisons, but the work required to visit different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to have as many quotes as possible in order to get better prices.
There is an easier way!
The preferred way to compare auto insurance pricing requires only one form to get prices from multiple companies. This type of form saves time, requires less work, and makes online quotes much more efficient. After sending the form, your coverage is rated and you can select your choice of the quote results.
If a lower price is quoted, you can click and sign and purchase the new policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.
In order to compare pricing, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you input the coverage information identical to your current policy. Using the same limits helps guarantee you will receive rate comparison quotes based on identical coverages.
Auto insurance coverage breakdown
Knowing the specifics of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Coverage for medical payments
Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Auto liability
Liability coverage protects you from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles, structural damage, legal defense fees and attorney fees. How much coverage you buy is a personal decision, but consider buying as much as you can afford.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chrysler 200.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive coverages
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as damage from flooding, falling objects, hitting a bird, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision insurance
Collision insurance covers damage to your 200 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims such as driving through your garage door, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.
More comparisons equals lower rates
Cheaper Chrysler 200 insurance can be found on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
We’ve covered a lot of ways to reduce Chrysler 200 insurance prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even find the biggest savings come from some of the smallest insurance companies.
People switch companies for any number of reasons including delays in responding to claim requests, unfair underwriting practices, being labeled a high risk driver or even delays in paying claims. Regardless of your reason for switching companies, finding a great new company can be less work than you think.
