Cheaper 2014 Chrysler 200 Car Insurance Quotes

I can’t think of a single person who likes paying for car insurance, especially when the price is too high.

Online insurance companies like Progressive, State Farm and Geico increase brand awareness with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

It’s a good habit to get comparison quotes before your policy renews since rates tend to go up over time. If you had the best deal on 200 insurance a few years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

Comparison of Insurance

Most companies like Allstate and Progressive give prices directly from their websites. This process is quite simple as you simply enter your required coverages as requested by the quote form. When the form is submitted, their system automatically orders reports for credit and driving violations and returns a price quote based on these factors. This makes it a lot easier to compare rates but having to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you are searching for the lowest possible prices on insurance.

A more efficient way to compare rates utilizes a single form that analyzes rates from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping a lot less work. Once the form is submitted, it is rated and you can choose any one of the quotes that you receive.

If you find a better price it’s easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and can result in significant savings.

If you want to compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you duplicate coverages and limits just like they are on your policy. This ensures you will have a rate comparison for similar coverage.

Cut your premium with discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be specially asked for prior to getting the savings.

  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • No Accidents – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • One Accident Forgiven – A few companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings on insurance coverage on 200 insurance.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.

It’s important to note that some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, insurance coverage companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of insurance companies offering insurance coverage discounts, click here to view.

What is the best insurance coverage?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining whether your personal situation may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • What is covered by UM/UIM coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I hit a deer?
  • What can I do if my company won’t pay a claim?
  • When should I not file a claim?
  • If my 2014 Chrysler 200 is totaled, can I afford another vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Chrysler 200 insurance rates have many determining factors

It’s important that you understand some of the elements that come into play when calculating the price you pay for insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower insurance prices.

The list below includes some of the items used by your company to calculate premiums.

  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and lower rates for you. If the Chrysler 200 has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Credit scores impact insurance rates – A driver’s credit score is a large factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower ratings. If your credit is low, you could be paying less to insure your 2014 Chrysler 200 by improving your rating.
  • Rate your vehicle for proper use – Driving more miles each year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on how the vehicle is used. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage is rated on the proper vehicle usage. Incorrect usage on your 200 may be wasting your money.
  • Pay less if you’re married – Having a spouse helps lower the price on insurance. It is viewed as being more responsible and statistics show married couples file fewer claims.
  • Consolidate policies to earn discounts – The majority of companies will give a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Claim-free discounts can add up – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Insurance companies give lower rates to drivers who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Your insurance rates can be influenced by your job – Occupations like lawyers, social workers and financial analysts are shown to have higher average rates attributed to high stress and long work hours. Conversely, professions such as farmers, engineers and retirees pay the least on 200 insurance.
  • Older drivers save more – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers are known to be careless and easily distracted when driving therefore insurance rates are much higher.

Specific coverage details

Understanding the coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

Comprehensive auto insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, hail damage and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision insurance pays for damage to your 200 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

This protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, pain and suffering, loss of income and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like X-ray expenses, ambulance fees, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

In the end, you save

In this article, we presented a lot of tips how to shop for 2014 Chrysler 200 insurance online. The key thing to remember is the more you quote, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an accident victim reduced full coverage only to find out that it was a big error on their part. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

More detailed auto insurance information can be read in these articles: