2015 Chrysler 200 Car Insurance Quotes – 8 Ways to Save

Want better insurance coverage rates for your Chrysler 200? Scraping up a payment for pricey Chrysler 200 insurance can bleed your monthly budget and possibly require you to analyze your spending habits. Performing a price comparison is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.

Online insurance companies like Allstate, Liberty Mutual and State Farm promote their brand names with fancy advertisements and consumers find it hard to ignore the flashy ads and find the best price available.

Consumers should take time to check insurance coverage prices yearly because insurance coverage prices change regularly. Just because you had the best quotes on 200 insurance two years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because we’re going to show you how to use the internet to properly buy coverages and cut your premium.

The most recommended method to compare rate quotes is to realize most larger insurance companies participate in online systems to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details like if it has an anti-theft system, whether you drive to work or school, distance driven, and whether you are single or married. That information is instantly sent to many of the top insurers and they return rate quotes quickly.

You may need specialized insurance coverage

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • What is roadside assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Is my Chrysler 200 covered if I use it for business?
  • What discounts do I qualify for?
  • Is motorclub coverage worth it?
  • How does medical payments coverage work?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Knowing the specifics of car insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Liability coverages – Liability coverage protects you from damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things such as structural damage, funeral expenses, attorney fees, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage covers damage to your 200 resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2015 Chrysler 200.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for bills for EMT expenses, pain medications, nursing services, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible