Cheap 2017 Chrysler 200 Car Insurance Cost in 2024

Do you think you bought an expensive auto insurance policy? It’s quite common and you’re not the only one.

Drivers have multiple insurers to insure vehicles with, and even though it’s nice to have a choice, having more insurers makes it harder to locate the cheapest rates.

Verify you’re applying every discount

Companies offering auto insurance do not list every available discount very well, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.

• Membership in Organizations – Belonging to qualifying employment or professional organizations can get you a small discount when shopping for insurance coverage.
• More Vehicles More Savings – Drivers who insure multiple vehicles on a single policy can reduce rates for all insured vehicles.
• Telematics Data – People who choose to allow their company to look at their driving habits by using a telematic data system like Allstate’s Drivewise might get better premium rates if they have good driving habits.
• Senior Citizen Rates – Mature drivers may receive a small discount on rates for 200 coverage.
• Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
• Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off the PIP or medical payment premium.
• Theft Deterrent System – Cars with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
• Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease for 200 coverage depending on your insurance coverage provider.
• Own a Home – Owning a house may trigger a policy discount on insurance coverage because it means you have a higher level of financial diligence.

Consumers should know that some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Large insurance coverage companies and their possible discounts are outlined below.

• GEICO offers premium reductions for multi-policy, federal employee, daytime running lights, anti-lock brakes, air bags, driver training, and membership and employees.
• Mercury Insurance offers discounts for ease of repair, type of vehicle, good student, anti-theft, good driver, accident-free, and multi-car.
• Farmers Insurance has discounts for bundle discounts, homeowner, youthful driver, electronic funds transfer, teen driver, switch companies, and good student.
• Auto-Owners Insurance may have discounts that include air bags, paperless, multi-policy, mature driver, and teen driver.
• Liberty Mutual offers discounts including teen driver discount, new graduate, new vehicle discount, newly married, and exclusive group savings.
• SAFECO includes discounts for multi-car, anti-lock brakes, anti-theft, accident prevention training, and drive less.
• Progressive has savings for continuous coverage, homeowner, multi-policy, multi-vehicle, good student, and online signing.
• USAA discounts include multi-vehicle, safe driver, defensive driver, vehicle storage, and annual mileage.

Double check with every company the best way to save money. Discounts may not apply to policies in your area. For a list of insurance coverage companies with the best discounts, enter your zip code here.

First Step: Get free car insurance quotes

Performing a rate comparison can be challenging if you aren’t aware of the easiest way. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system where prospective buyers submit one quote, and each participating company provides a quote determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To compare rates now enter your zip code here.

The only downside to comparing rates this way is you cannot specify which insurance companies to get quotes from. If you wish to select individual companies to compare rates, we put together a list of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

Whichever method you choose, be sure you’re using exactly the same coverage information for each comparison quote. If you compare unequal deductibles or liability limits it will be next to impossible to make a fair rate comparison. Even a minor difference in coverages may result in large price differences. It’s important to know that comparing a wide range of rates helps increase your odds of locating the best offered rates. Some smaller insurers to not give rate quotes online, so you also need to get price quotes from the smaller companies as well.

Informed drivers save more

Many different elements are used in the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, although some other factors are less apparent such as your credit history or your commute time. The best way to find cheaper insurance coverage is to take a look at some of the factors that play a part in calculating insurance coverage rates. If you have some idea of what determines premiums, this allows you to make good choices that could result in cheaper rates.

• Do you qualify for a multi-policy discount? – Many companies give better rates to clients that have more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates. You may still find a better deal even if you insure with multiple companies.
• Eliminate unneeded extra coverages – There are many extra bells and whistles that sound like a good idea at the time if you aren’t careful. Add-on coverages like vanishing deductibles, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when deciding what coverages you need, but if you have no use for them get rid of them and save.
• Do you have enough liability insurance? – The liability section of your policy will provide protection in the event that a jury decides you are liable for damages from an accident. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
• How credit rating affects insurance coverage costs – Having a good credit score will be a significant factor in calculating your premium rate. So if your credit history is lower than you’d like, you could pay less to insure your 2017 Chrysler 200 by improving your rating. People with very good credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
• Consider raising deductibles – Physical damage deductibles define how much you are willing to pay in the event of a claim. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply would be colliding with a stationary object, fire damage, and having a roll-over accident. The more money you have to pay, the less your insurance coverage will be for 200 coverage.
• Alarms and GPS tracking lower prices – Choosing to buy a car with an alarm system can save you some money. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.

When should I discuss my situation with an agent?

When buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining if you may require specific advice.

• Do I need to file an SR-22 for a DUI in my state?
• Am I covered if I break a side mirror?
• Should I buy more coverage than the required minimum liability coverage?
• Do I really need UM/UIM coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• At what point should I drop full coverage?
• When should my teen driver be added to my policy?
• What are the financial responsibility laws in my state?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my babysitter covered when using my vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete your zip code.

Car insurance coverages for a Chrysler 200

Knowing the specifics of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Collision – This coverage covers damage to your 200 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by 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 might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical services, repair costs for stationary objects, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive protection – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, hitting a deer and vandalism. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage – Med pay and PIP coverage pay for expenses such as doctor visits, funeral costs, ambulance fees, X-ray expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Do the work, save more money

When searching for low cost auto insurance quotes, it’s very important that you do not buy less coverage just to save a little money. In many instances, an insured cut liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

In this article, we presented a lot of techniques to get a better price on 2017 Chrysler 200 insurance. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.