Compare 2014 Chrysler 200 Insurance Quotes

Searching for the cheapest auto insurance rates for your Chrysler 200? Have you finally had enough of being strong-armed to pay auto insurance each month? Your situation is no different than the majority of other consumers. Insurance companies such as Allstate, Progressive and GEICO promote their brand names with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and find the best price available.

Insurance quotes comparison

Performing a rate comparison can be challenging if you don’t know the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace where insurance shoppers only type in their quote data once, and every company then returns a price quote. This prevents consumers from doing quotation requests to every company.

To submit your quote information now, click here to start a free quote.

The single downside to doing it this way is you don’t know exactly the providers you want to price. If you prefer to choose specific providers to compare prices, we have a page of companies who write insurance in your area. Click to view list.

It’s your choice how you get your quotes, but try to keep identical quote information with every price quote. If the quotes have differing limits it’s not possible to determine which company has the best rates.

More discounts mean affordable premiums

Companies that sell car insurance do not list the complete list of policy discounts in an easy-to-find place, so the list below contains a few of the more common and the harder-to-find credits that you can use to lower your rates.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Student in College – Children who are attending college and don’t have a car can receive lower rates.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates on 200 insurance compared to rates paid by drivers with frequent claims.
  • Military Deployment Discount – Having a deployed family member could trigger a small discount.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Discount for Life Insurance – If the company offers life insurance, you could get a lower price if you buy some life insurance too.
  • Data Collection Discounts – Drivers that enable data collection to spy on their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

A few companies that may offer policyholders most of the discounts above include:

Double check with each insurance company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in every state. If you would like to choose from a list of providers who offer cheap insurance coverage quotes, click here.

Seven factors that impact insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help determine the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that can help you get much lower annual insurance costs. Many things are part of the calculation when quoting car insurance. A few of the factors are predictable such as traffic violations, but other factors are not quite as obvious like where you live and annual miles driven.

The factors shown below are some of the most rate-impacting factors used by insurance companies to determine premiums.

  • Pay less after the wedding – Your spouse may cut your premiums when buying insurance. It means you’re more stable financially and it’s proven that married drivers tend to have fewer serious accidents.
  • Lower rates come with age – Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims and receive fewer citations.Inexperience drivers tend to be easily distracted when behind the wheel so they pay higher insurance rates.
  • Insurance rates and your occupation – Occupational choices like lawyers, executives and accountants tend to have the highest average rates because of stressful work requirements and long work hours. Conversely, occupations such as farmers, athletes and homemakers pay the least on 200 insurance.
  • Decrease rates by maintaining coverage – Not maintaining insurance is against the law and any future policy may cost more because you let your coverage have a gap. And not only will your rates increase, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Extra policy coverages could be costing you – There are many optional add-on coverages that can waste your money if you don’t pay attention. Coverages like roadside assistance, towing, and term life insurance may be costing you every month. They may seem good when buying your policy, but your money might be better spent on other coverage so get rid of them and save.
  • Drive less and pay lower prices – The more you drive your Chrysler every year the more you’ll pay to insure your vehicle. A lot of companies charge to insure your cars partially by how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than those that get driven frequently. An incorrectly rated 200 may be wasting your money. Make sure your insurance policy correctly shows the correct usage for each vehicle.
  • When should you not file a claims? – If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Insurance companies generally give cheaper rates to insureds who are not frequent claim filers. Your car insurance is designed for more catestrophic claims.

It’s not one size fits all

When buying adequate coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • Am I insured when driving a different vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • If I drive on a suspended license am I covered?
  • Is my state a no-fault state?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a 2014 Chrysler 200

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages offered by auto insurance companies.

Collision insurance

Collision insurance pays for damage to your 200 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter, rolling your car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

This protects you from damage or injury you incur to a person or their property. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses, court costs, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2014 Chrysler 200.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, prosthetic devices, pain medications, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

When getting insurance quotes online, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

Cost effective 2014 Chrysler 200 insurance can be found online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers don’t offer rate quotes online and many times these smaller providers only sell through independent insurance agents.

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