Compare 2014 Chrysler 200 Insurance Quotes

Beginners to shopping for insurance online may discover purchasing cheap auto insurance is very challenging.

It’s smart to compare rates at least once a year since prices change quite often. If you had the best deal for 200 coverage a couple years back the chances are good that you can find a lower rate quote today. There are lots of tips to save on insurance coverage on the web, but you can learn some good information on how to find affordable insurance coverage.

This information will instruct you on the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you should be able to save some money using these methods. But vehicle owners must understand the methods companies use to compete online and apply this information to your search.

How to find affordable insurance coverage

There are several ways to compare insurance coverage prices but there is one way that is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

All the larger companies belong to an insurance system that enables customers to enter their policy data once, and at least one company then gives them pricing determined by their information. This eliminates the need for form submissions to each individual insurance coverage company. To participate in this free quote system, click here to open in new window.

The only drawback to pricing coverage this way is you don’t know exactly which providers you will receive quotes from. If you prefer to choose specific providers to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just double check that you are using equivalent coverage data for every company. If you enter different coverage information then you won’t be able to determine the best price for your Chrysler 200. Quoting even small variations in insurance coverages can result in a big premium difference. Keep in mind that obtaining a wide range of quotes will improve the odds of getting the best rates. Some regional insurers cannot provide price estimates online, so you need to compare price quotes from those companies as well.

Use discounts on insurance

Some insurance providers don’t always advertise every disount available in a way that’s easy to find, so the below list has a few of the more well known and the more hidden discounts that you may qualify for.

  • Accident Waiver – This one isn’t a discount, but companies like Allstate and State Farm allow you one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
  • Low Mileage – Driving fewer miles can earn lower insurancerates on the low mileage vehicles.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Multiple Cars – Buying a policy with multiple cars on one policy can get a discount for every vehicle.
  • Responsible Driver Discount – Safe drivers can get discounts for up to 45% lower rates for 200 coverage as compared to drivers with claims.

It’s important to note that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will bring down your policy cost.

The best insurance companies and some of their more popular discounts include:

  • State Farm policyholders can earn discounts including Drive Safe & Save, accident-free, anti-theft, multiple autos, safe vehicle, defensive driving training, and Steer Clear safe driver discount.
  • American Family discounts include good student, TimeAway discount, Steer into Savings, good driver, early bird, bundled insurance, and defensive driver.
  • AAA may have discounts that include pay-in-full, good student, AAA membership discount, multi-policy, education and occupation, and multi-car.
  • Geico offers discounts including five-year accident-free, multi-policy, anti-theft, federal employee, membership and employees, daytime running lights, and good student.
  • Mercury Insurance has discounts for low natural disaster claims, good driver, multi-car, good student, and accident-free.
  • Farmers Insurance offers discounts for pay in full, multi-car, distant student, good student, and early shopping.
  • Progressive offers premium reductions for multi-policy, multi-vehicle, good student, continuous coverage, and homeowner.

Before buying, ask each company how many discounts you can get. Some credits might not apply in your area.

Six tips to get more affordable insurance premiums

Lots of factors are taken into consideration when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are less obvious such as your marital status or how financially stable you are.An important part of buying insurance is that you know the rating factors that are used to determine auto insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may result in big savings.

  • Safer vehicles lower prices – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you.
  • Vocation stress can affect premiums – Did you know that where you work can have an impact on rates? Occupational choices like doctors, architects and emergency personnel are shown to have higher rates than the rest of us attributed to high stress levels and lengthy work days. Other careers such as scientists, athletes and performers have lower than average premiums for 200 coverage.
  • Lower miles equals lower premium – The more you drive your Chrysler in a year’s time the higher your rates will be. Most companies charge rates determined by how the vehicle is used. Cars that do not get driven very much receive better premium rates compared to those used for work or business. An incorrectly rated 200 may be costing you higher rates. Verify your vehicle rating is showing the right rating data.
  • Bad credit will cost you – A driver’s credit rating is a big factor in determining premium rates. People with high credit scores tend to be more responsible and file fewer claims than those with bad credit. If your credit score can be improved, you could potentially save money when insuring your 2014 Chrysler 200 by repairing your credit.
  • Pay more by driving carelessly – Having a single driving citation can boost insurance rates by as much as thirty percent. Good drivers get better prices than their less careful counterparts. Drivers with serious citations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to legally drive.
  • Combine policies and save – Most insurers will give a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to comparison shop to verify if the discount is saving money.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Is my nanny covered when driving my vehicle?
  • What is no-fault insurance?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • If my pet gets injured in an accident are they covered?
  • Is rental equipment covered for theft or damage?
  • How much liability insurance is required?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Advertising and insurance coverage

Respected companies like Progressive, Geico, Allstate and State Farm continually stream television and radio advertisements. All the companies tend to make the same promise that drivers will save a bundle if you move your insurance coverage coverage to their company. How does every company cost less than your current company? It’s all in how they say it.

Different companies provide the lowest rates for the driver that will generate a profit. For example, this type of driver may be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will get the preferred prices and will also save money with a new company.

Potential insureds who do not fit the “perfect” profile will probably be forced to pay higher rates and ends up with the driver buying from a lower-cost company. The trick is to say “customers who switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can confidently advertise the way they do.

That is why you need to get as many free auto insurance quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Specific coverages for a 2014 Chrysler 200

Learning about specific coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, medical expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed and hitting a deer. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This coverage pays for damage to your 200 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Chrysler 200.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like doctor visits, funeral costs, nursing services, ambulance fees and dental work. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Take this to the bank

People change insurance companies for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, delays in paying claims and unfair underwriting practices. Regardless of your reason for switching companies, switching car insurance companies is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There have been many situations where someone dropped comprehensive coverage or liability limits only to find out that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford and still be able to protect your assets.

We’ve covered some good ideas how to get a better price on 2014 Chrysler 200 insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the best premium rates are with the least-expected company.

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