Compare 2015 Chrysler 200 Car Insurance Rates

Trying to find the cheapest auto insurance rates for your Chrysler 200? Searching for the cheapest insurance for a Chrysler 200 can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to price shop coverage for your Chrysler and obtain the cheapest rates.

Consumers need to do rate comparisons quite often since rates are variable and change quite frequently. Even if you got the best rates on 200 insurance six months ago a different company probably has better rates today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to eliminate unnecessary coverages and save money.

Buying affordable coverage is simple if you know the tricks. If you have insurance now or are looking for a new policy, you can follow these tips to find the best rates while maximizing coverage. Vehicle owners just need to understand the most efficient way to buy insurance online.

Are you getting all your discounts?

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be requested specifically prior to receiving the credit. If they aren’t giving you every credit possible, you are throwing money away.

  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Student in College – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

Car insurance companies that may have these discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Savings may not apply in your state.

Low Cost Insurance

Effectively comparing insurance prices can take hours if you don’t utilize the fastest way to get free quotes. You can spend countless hours talking to insurance agencies in your area, or you could use the web to get the quickest rates.

Many insurance companies are enrolled in a marketplace that enables customers to send in one quote, and every company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions to every company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which insurance companies you want pricing from. If you wish to select individual companies for rate comparison, we have a listing of low cost insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare the exact same coverages on every quote. If you have different limits and deductibles on each one you can’t possibly decipher which rate is best.

Why your Chrysler 200 insurance rates may be high

It’s important that you understand the factors that play a part in calculating your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that can help you get lower insurance coverage prices.

  • Never let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Drive less and save money – The higher the mileage driven in a year’s time the more you will pay for insurance coverage. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage get more affordable rates compared to those used for work or business. An improperly rated 200 may be costing you. Make sure your insurance coverage declarations sheet shows the correct usage for each vehicle.
  • Liability insurance protects assets – Liability coverage provides coverage if ever you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages you can purchase when buying insurance coverage. Things like rental car reimbursement, better glass coverage and membership fees may be wasting your money. They may seem good initially, but your needs may have changed so remove them from your policy.
  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Men pay higher rates – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • Better credit scores mean better rates – Your credit score is a large factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit. So if your credit score is low, you could save money insuring your 2015 Chrysler 200 by repairing your credit.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions could help you determine if your insurance needs will benefit from professional help.

  • Do I need special endorsements for business use of my vehicle?
  • Is upholstery damage covered by car insurance?
  • What is the ISO rating for a 2015 Chrysler 200?
  • Does having multiple vehicles earn me a discount?
  • Can I drive in Mexico and have coverage?
  • What are the financial responsibility laws in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Don’t be fooled by advertising claims

Drivers can’t get away from ads for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. All the ads make the same claim that you can save if you change your policy.

How can each company say the same thing? This is how they do it.

Insurance companies can use profiling for the type of customer that is profitable for them. For example, a desirable insured might be over the age of 40, a clean driving record, and drives newer vehicles. Any driver who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Drivers who do not match the “perfect” profile will be charged higher rates and this can result in business going elsewhere. The ads state “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can claim big savings.

That is why you absolutely need to compare many company’s rates. You cannot predict which company will provide you with the cheapest Chrysler 200 insurance rates.

Coverage specifics

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for EMT expenses, dental work, ambulance fees, nursing services and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, sideswiping another vehicle, colliding with a tree, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chrysler 200.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage 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 falling objects, damage from flooding, fire damage, vandalism and theft. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.


This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, funeral expenses and emergency aid. How much coverage you buy is your choice, but consider buying higher limits if possible.

Get your money’s worth

Lower-priced 2015 Chrysler 200 insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, policy non-renewal, extreme rates for teen drivers or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

You just read many tips how you can save on insurance. The key thing to remember is the more you quote, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with a small mutual company.

Much more information about auto insurance is located at these links: