How Much Does 2012 Chrysler 200 Insurance Cost?

Trying to find cheaper car insurance rates for your Chrysler 200? No one in their right mind anticipates paying for car insurance, especially when they know they could find better rates elsewhere. Insurance companies such as GEICO, Farmers Insurance and State Farm constantly bombard you with fancy advertisements and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

It’s smart to do price comparisons before your policy renews because car insurance rates change quite often. Even if you got the lowest premium rates for 200 coverage a few years ago you may be paying too much now. Forget all the misinformation about car insurance because you’re about to learn how to use the internet to save on car insurance.

How to get free auto insurance quotes online

Performing a rate comparison can take hours if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the web to quickly compare rates.

Many companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company provides a quote based on that information. This eliminates the need for form submissions for every auto insurance company.

To enter your information into the quoting system, click here to open in new window.

The single downside to getting quotes like this is that consumers can’t choose which carriers you want to price. If you prefer to choose individual companies to compare, we have a listing of auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using identical quote data for each quote you get. If each company quotes different limits and deductibles on each one it’s not possible to determine the best price for your Chrysler 200.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight whether you may require specific advice.

  • Should I have a commercial auto policy?
  • How does medical payments coverage work?
  • Can I rate high risk drivers on liability-only vehicles?
  • How do I file an SR-22 for a DUI in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy full coverage?
  • Is there coverage for injuries to my pets?
  • How much liability insurance is required?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Specifics of your insurance policy

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, hospital visits, pain medications and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Chrysler 200.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability insurance – Liability insurance protects you from damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like funeral expenses, emergency aid, repair costs for stationary objects, legal defense fees and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This coverage will pay to fix damage to your 200 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, rolling your car, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.