2016 Chrysler 200 Car Insurance Quotes – 8 Tricks for Best Rates

Looking for the cheapest insurance coverage rates for your Chrysler 200? Comparing and finding cheap rates for Driversinsurance coverage could be frustrating for drivers who are beginners to comparison shopping online. Drivers have so many choices that it can easily turn into a chore to find cheaper insurance coverage rates.

It’s a good habit to shop coverage around yearly because prices are constantly changing. Just because you found the lowest price on 200 coverage a few years ago a different company probably has better rates today. Don’t believe everything you read about insurance coverage online but in a few minutes you can learn some tested techniques to slash your insurance coverage rates.

The method we recommend to get policy rate comparisons is to understand most of the bigger providers will pay a fee to provide you with free rate quotes. The one thing you need to do is provide details like the ages of drivers, if the vehicle is leased, how you use your vehicles, and whether you are married. That rating information is then submitted to many of the top insurers and they return quotes almost instantly.

More discounts mean affordable premiums

Some insurers do not advertise all their discounts very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

  • Club Memberships – Joining a qualifying organization may earn a discount on your policy.
  • Own a Home – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • No Accidents – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote in comparison to drivers who are more careless.
  • Waiver for an Accident – Not a discount per se, but a few companies such as Allstate and Progressive will let one accident slide before your rates go up with the catch being you have to be claim-free before the accident.
  • Theft Deterent – Vehicles that have factory anti-theft systems help deter theft and that can save you a little bit as well.
  • College Student Discount – Older children who are attending college without a vehicle on campus may be insured at a cheaper rate.
  • Lower Rates for Military – Being deployed in the military could mean lower premium rates.
  • Buy New and Save – Buying a new car model can get you a discount since newer vehicles are generally safer.

Just know that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, you aren’t that lucky. But any discount will positively reduce your overall premium however.

The best car insurance companies and a selection of discounts are outlined below.

  • State Farm offers discounts including multiple policy, driver’s education, anti-theft, accident-free, defensive driving training, and passive restraint.
  • Nationwide includes discounts for anti-theft, multi-policy, good student, accident-free, and Farm Bureau membership.
  • Geico policyholders can earn discounts including seat belt use, five-year accident-free, good student, daytime running lights, and defensive driver.
  • AAA may offer discounts for multi-policy, good driver, AAA membership discount, pay-in-full, education and occupation, good student, and multi-car.
  • 21st Century offers premium reductions for theft prevention, air bags, teen driver, defensive driver, and early bird.
  • The Hartford may include discounts for anti-theft, defensive driver, good student, air bag, bundle, and driver training.

If you need lower rates, check with each insurance company the best way to save money. Savings might not be offered in your area. To see providers who offer cheap car insurance quotes, click this link.

It’s not one size fits all

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • Is a fancy paint job covered?
  • Am I covered when pulling a rental trailer?
  • When should I not file a claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount?
  • Are rental cars covered under my policy?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Specific coverages for a Chrysler 200

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

Collision coverage will pay to fix damage to your 200 resulting from a 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 protects against things like crashing into a building, driving through your garage door, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability coverage

This will cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as structural damage, court costs, pain and suffering, loss of income and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for pain medications, dental work, chiropractic care and surgery. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2016 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. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Get your money’s worth

You just learned many tips how you can save on 2016 Chrysler 200 insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheap auto insurance. Consumers may even find the best price on auto insurance is with the least-expected company.

When searching for cheap auto insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Low-cost 2016 Chrysler 200 insurance is available both online as well as from insurance agents, so you need to quote auto insurance with both to get a complete price analysis. Some auto insurance companies do not offer internet price quotes and many times these small insurance companies provide coverage only through independent agencies.

To read more, feel free to browse the articles below: