2011 Chrysler 200 Insurance Rates – 10 Tricks for Cheaper Quotes

Buyers have many options when searching for low-cost Chrysler 200 insurance. You can either waste hours driving around trying to get quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the absolute fastest way to compare rates for your Chrysler and obtain the cheapest rates.

It is always a good idea to take a look at other company’s rates before your policy renews because rates are variable and change quite frequently. Despite the fact that you may have had the best deal on 200 insurance on your last policy other companies may now be cheaper. Starting now, block out anything you think you know about insurance because I’m going to teach you the only way to save on insurance.

This article will help you learn how to effectively get price quotes. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Vehicle owners just need to learn the proper methods to shop for insurance coverage online.

Auto Insurance Prices

There are multiple methods to shop for 2011 Chrysler 200 auto insurance, but some are easier and takes less work. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could use the internet to get prices fast.

Most of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company returns a competitive quote based on that information. This system prevents you from having to do quote requests to each individual auto insurance company. To access this free quoting program, click here (opens in new window).

The only downside to doing it this way is you cannot specify which carriers you will receive quotes from. If you prefer to choose specific providers for rate comparison, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using the exact same deductibles and coverage limits with each company. If the quotes have different deductibles it will be very difficult to truly determine the lowest rate.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Some trigger automatically at the time of quoting, but some may not be applied and must be asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on 200 insurance with certain companies.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Accident Waiver – Some insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of up to 25% or more.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will cut the amount you have to pay.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask each company what discounts are available to you. All car insurance discounts may not apply in every state.

When should I talk to an agent?

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Does my policy pay for OEM or aftermarket parts?
  • What is high-risk coverage and where do I buy it?
  • Which is better, split liability limits or combined limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I insured when driving a different vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Do drivers who switch really save $447 a year?

Drivers constantly see and hear ads that promise big savings from the likes of State Farm, Allstate and Geico. They all say the same thing that you’ll save big if you switch your coverage to them.

How do they all say the same thing?

Different companies have a preferred profile for the type of driver that makes them money. A good example of a preferred risk might be profiled as between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any driver who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who do not match the requirements will be quoted higher premiums and this can result in the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can advertise the way they do.

This emphasizes why drivers should get quotes from several different companies. It’s not possible to predict which auto insurance company will fit your personal profile best.

Specifics of your car insurance policy

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2011 Chrysler 200.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like prosthetic devices, EMT expenses, nursing services, dental work and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, structural damage, court costs, pain and suffering and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your 200 resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

More quotes mean more savings

Budget-conscious 2011 Chrysler 200 insurance is available both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

We’ve covered many ways to save on insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the biggest savings come from some of the smallest insurance companies.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

More detailed insurance information can be found in these articles: