2014 Chrysler 200 Insurance Quotes – 10 Ideas for Best Rates

Trying to find cheaper car insurance rates for your Chrysler 200? No one in their right mind likes paying for car insurance, especially when they are paying too much.

You have multiple car insurance companies to purchase coverage from, and although it’s nice to have multiple companies, so many choices can make it hard to find a good deal.

Smart consumers take time to compare prices before your policy renews since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price on 200 insurance two years ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about car insurance online but with this article, you’re going to get some proven techniques to put money back in your pocket.

How to reduce 2014 Chrysler 200 insurance rates

Companies that sell car insurance don’t necessarily list every available discount very clearly, so here is a list both the well known and the more hidden car insurance savings.

  • Memberships – Participating in certain professional organizations could trigger savings on your policy on 200 insurance.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Save over 55 – Older drivers may receive reduced rates on 200 insurance.
  • Multi-car Discount – Having more than one vehicle on the same car insurance policy can get a discount on all vehicles.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on 200 insurance than less cautious drivers.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Accident Waiver – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

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

Tailor your coverage to you

When choosing adequate coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might point out whether or not you would benefit from professional advice.

  • Can I drive in Mexico and have coverage?
  • Are rock chip repairs covered?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is upholstery damage covered by car insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Where can I get insurance after a DUI in my state?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Save $445 a year? Really?

Insurance coverage companies such as Geico, State Farm and Progressive continually stream ads on television and other media. They all seem to make an identical promise of big savings after switching your policy. How does each company claim to save you money?

Different companies have a certain “appetite” for the right customer they prefer to insure. A good example of a driver they prefer might be profiled as between the ages of 40 and 55, is a homeowner, and chooses high deductibles. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who do not match the “perfect” profile will have to pay higher prices and ends up with business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That’s why insurance companies can advertise the way they do. Because of the profiling, you should get as many comparisons as possible. It’s just too difficult to predict which insurance companies will have the lowest Chrysler 200 insurance rates.

Car insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chrysler 200.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

This coverage covers damage to your 200 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, hail damage, hitting a deer, a tree branch falling on your vehicle and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover 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. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like medical expenses, medical services, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, surgery and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Don’t throw your cash in the trash

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big mistake. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Cost effective 2014 Chrysler 200 insurance can be found on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

In this article, we covered a lot of tips how to get a better price on insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest priced insurance coverage comes from the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

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