Cheaper 2013 Chrysler 200 Insurance Quotes

Shopping for the most affordable insurance coverage on the internet may be impossible for beginners to price shopping online. With a ridiculous number of insurers to choose from, how can anyone possibly compare them all to find the lowest price available?

Consumers should take time to price shop coverage periodically because insurance rates trend upward over time. Even if you think you had the best deal on 200 coverage six months ago you will most likely find a better rate today. You can find a lot of misleading information regarding insurance coverage online, so with this article, you’re going to get the easiest ways to slash your insurance coverage rates.

Comparison of Insurance

To find the best insurance prices, there are several ways to compare rate quotes from local insurance companies. By far the easiest way to find the lowest 2013 Chrysler 200 rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

One of the simplest ways to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate forms to each individual insurance company. One simple form gets rate comparisons from all major companies. Just one form and you’re done.

A less efficient way to find lower rates is spending the time to visit the website for every company you want to comare and request a quote. For sake of this example, we’ll assume you want rates from Nationwide, Esurance and Allstate. You would have to go to every website and enter your information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The least recommended way to compare rates is to waste gas driving to local insurance agencies. Shopping for insurance online makes this process obsolete unless you require the trained guidance of a local agent. Drivers can get prices online but still have the advice of a local agent and you’ll learn how to do that later.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverage limits and deductibles for every company. If the quotes have different limits and deductibles on each one it will be very difficult to decipher which rate is best. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes provides better odds of finding the best rates.

Pay less for Chrysler 200 insurance

Auto insurance companies do not list every discount very well, so we researched both well-publicized and also the lesser-known discounts you could be receiving.

Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
Paperwork-free – Certain companies give back up to $50 simply for signing online.
Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurance companies with the best insurance coverage discounts, follow this link.

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions might point out if you would benefit from professional advice.

When should I buy a commercial auto policy?
Am I covered by my spouse’s policy after a separation?
Does my insurance cover a custom paint job?
Does my liability insurance cover pulling a trailer or camper?
Is my vehicle covered by my employer’s policy when using it for work?
How can I find cheaper teen driver insurance?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Insurance coverages 101

Having a good grasp of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like medical services, structural damage, bail bonds, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for rehabilitation expenses, prosthetic devices and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays for damage to your 200 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, theft, a tree branch falling on your vehicle, hitting a deer and falling objects. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.