2015 Chrysler 200 Insurance Quotes – 7 Ideas for Cheaper Rates

No one looks forward to paying for insurance, especially when they could find better rates elsewhere. Numerous insurers battle for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the best price available.

Smart consumers take time to shop coverage around once or twice a year because prices are variable and change quite frequently. Just because you found the best price on 200 coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.

Discounts can really help lower rates

Companies don’t always advertise every possible discount very clearly, so the below list has a few of the more well known as well as some of the hidden credits available to you.

  • Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you could save up to 5%.
  • Military Rewards – Being deployed in the military could be rewarded with lower rates.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking time to complete a course in defensive driving can save you 5% or more and also improve your driving technique.
  • Early Renewal Discounts – Select companies give a discount for buying a policy prior to your current policy expiring. It could save around 10% when you buy insurance coverage online.
  • Low Mileage – Fewer annual miles on your Chrysler could earn substantially lower premium rates.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Despite the appearance that you could get a free insurance coverage policy, nobody gets a free ride. But any discount will definitely reduce the cost of coverage.

A list of companies and the discounts they provide are included below.

  • Esurance offers discounts including anti-theft, renters, anti-lock brakes, good student, and Switch & Save.
  • The Hartford offers discounts for vehicle fuel type, good student, driver training, anti-theft, and bundle.
  • AAA offers premium reductions for education and occupation, good student, good driver, pay-in-full, AAA membership discount, and multi-car.
  • Geico may include discounts for driver training, military active duty, multi-vehicle, federal employee, and anti-lock brakes.
  • State Farm discounts include good driver, defensive driving training, safe vehicle, student away at school, multiple policy, and anti-theft.

If you want cheaper insurance coverage quotes, ask all companies you are considering to give you their best rates. Some discounts listed above may not apply in your state. To locate providers that offer many of these discounts, click here.

Will just any policy work for me?

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For example, these questions might point out if your situation may require specific advice.

  • What can I do if my company denied a claim?
  • Am I covered if my car is in a flood?
  • Am I covered when driving a rental car?
  • Are rental cars covered under my policy?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Buyer beware of car insurance advertising tricks

Consumers can’t avoid all the ads that claim the lowest premium rates from companies such as Progressive, Allstate and Geico. All the companies seem to make the promise that you’ll save big just by moving your policy.

But how can every company charge you less for auto insurance? It’s all in the wording.

All the different companies quote their cheapest rates for the type of driver that makes them money. One example of a profitable insured may need to be a female over age 40, has a low-risk occupation, and does not commute to work. Any person that hits that “sweet spot” receive the lowest rate quotes as well as cut their rates if they switch.

Potential insureds who don’t measure up to these criteria will be charged a higher premium and ends up with the customer not buying. The trick companies use is to say “drivers who switch” not “everyone who quotes” save that much. That is how insurance companies can confidently claim big savings. Because of this risk profiling, you really need to compare as many free insurance coverage quotes as you can. It’s impossible to know with any certainty which company will give you lower premium rates than your current company.

Specific coverages for a Chrysler 200

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, surgery and EMT expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chrysler 200.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, pain and suffering, funeral expenses, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, vandalism and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This coverage will pay to fix damage to your 200 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Be a smart shopper

You just read quite a bit of information on how to shop for 2015 Chrysler 200 insurance online. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

Some companies do not provide rate quotes online and many times these regional insurance providers only sell through independent agents. Low-cost 2015 Chrysler 200 insurance is attainable both online as well as from insurance agents, so you should compare both to have the best chance of lowering rates.

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