How Much Does 2011 Chrysler 200 Car Insurance Cost?

Are you tired of wondering where the money will come from to make your insurance payment? You’re in the same situation as many other drivers.

Consumers have many insurance companies to pick from, and though it is a good thing to have a choice, more options can take longer to find the best rates.

You should take the time to get comparison quotes before your next renewal because rates are rarely the same from one policy term to another. Just because you found the lowest rate on 200 coverage a few years ago there is a good chance you can find better prices now. You can search a lot of insurance online, but in this article, you’re going to get some excellent ideas to lower your insurance premiums.

Take policy discounts and save

Car insurance companies do not list all possible discounts in a way that’s easy to find, so the below list has a few of the more common and also the lesser-known credits that may apply to you.

  • Life Insurance Discount – Some insurance carriers give a lower premium rate if you buy some life insurance too.
  • Discounts for Federal Employees – Active or former government employment could provide a small rate reduction on 200 coverage with some insurance companies.
  • Low Mileage – Fewer annual miles on your Chrysler could qualify for better insurancerates on cars that stay parked.
  • Drivers Ed for Students – Have your child enroll and complete driver’s education if offered at their school.
  • No Charge for an Accident – This one isn’t a discount, but companies like Allstate, State Farm and GEICO will turn a blind eye to one accident without raising rates if you have no claims for a certain period of time.
  • Active Service Discounts – Having an actively deployed family member could be rewarded with lower rates.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Own a Home – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
  • Responsible Driver Discounts – Drivers without accidents may save up to 50% more on 200 coverage as compared to drivers with claims.

One last thing about discounts, some credits don’t apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So even though you would think it’s possible to get free car insurance, you’re out of luck. But all discounts will help reduce the amount you have to pay.

To view companies that offer some of these discounts, click here.

Which policy gives me the best coverage?

When buying coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Is motorclub coverage worth it?
  • Is my nanny covered when driving my vehicle?
  • Is my cargo covered for damage or theft?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I carry comprehensive and collision coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, 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.

Auto insurance coverages and their meanings

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler 200.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Coverage for collisions

This coverage covers damage to your 200 resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door, crashing into a ditch, colliding with another moving vehicle and rolling your 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 get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for rehabilitation expenses, X-ray expenses, funeral costs, prosthetic devices and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Never pay more for less

Cheaper car insurance is possible from both online companies in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and most of the time these regional carriers prefer to sell through local independent agencies.

We just covered a lot of information how to get a better price on 2011 Chrysler 200 insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your auto insurance rates. You may even find the best price on car insurance is with the least-expected company. Regional companies may only write in your state and offer lower auto insurance rates compared to the large companies like Allstate, GEICO and Progressive.

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