Save on 2013 Chrysler 200 Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 9, 2024

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Want lower car insurance rates for your Chrysler 200? If you’re looking for more affordable insurance online, do you get overwhelmed by the sheer number of car insurance sources that you can choose from? Many other drivers are as well. There are so many sources to choose from that it can be a difficult challenge to find better prices.

Low cost insurance coverage

To find cheap rates, there are a couple of ways of comparing rate quotes from different insurance companies. The recommended way to comparison shop is to use the internet to compare rates. This is quite simple and can be completed in just a few minutes using one of these methods.

  • The most efficient way to find low rates is an all-inclusive rate comparison. This method keeps you from doing a different quote to each individual insurance coverage company. One simple form gets rate comparisons direct from many companies. Just one form and you’re done.
  • A more time consuming way to find lower rates requires a visit to the website of each company and get a separate price quote. For examples sake, let’s assume you want to get rates from Progressive, Farmers and GMAC. In order to get each rate, you would have to go to every website and type in your information over and over, and that’s why the first method is more popular.

Compare rates however you want, just make absolute certain that you use identical quote data on every quote. If each company quotes different values for each quote it will be next to impossible to make a fair comparison for your Chrysler 200. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when price shopping your coverage, comparing a large number of companies increases the change that you will find a lower rate.

Verify you’re receiving every discount

The cost of insuring your cars can be expensive, but you might be missing out on some discounts to help bring down the price. Many of these discounts will be applied automatically at the time of purchase, but a few must be inquired about before you will receive the discount.

  • Online Discount – A few auto insurance companies will provide an incentive get insurance on the internet.
  • Sign Early and Save – A few companies give discounts for renewing your policy before your current policy expires. This can save 10% or more.
  • Onboard Data Collection – Drivers who elect to allow their insurance company to analyze their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • No Claim Discounts – Claim-free drivers can earn big discounts as opposed to drivers with a long claim history.
  • Theft Deterrent Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course as it will make them better drivers and lower rates.
  • Passive Restraint Discount – Options like air bags or automatic seat belts can qualify for discounts up to 30%.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

Some of the insurance companies that may include many of the previously listed discounts may include but are not limited to:

  • State Farm
  • Esurance
  • Progressive
  • Liberty Mutual
  • Auto-Owners Insurance
  • GEICO

Before purchasing a policy, check with each company which discounts you qualify for. A few discounts may not apply to policies everywhere.

When should I discuss my situation with an agent?

When it comes to buying coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • How much can I save by bundling my policies?
  • Are rock chip repairs covered?
  • What is medical payments coverage?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving someone else’s vehicle?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and enter your zip code.

Components of your Chrysler 200 insurance premiums

A large part of saving on auto insurance is knowing the different types of things that come into play when calculating the rates you pay for auto insurance. If you have some idea of what determines premiums, this allows you to make educated decisions that will entitle you to big savings. Many factors are used when pricing auto insurance. Most are fairly basic like an MVR report, although some other factors are not as apparent like your continuous coverage or your commute time.

  • Rural vs Urban Areas – Being located in less populated areas of the country has it’s advantages when shopping for auto insurance. Less people means a lower chance of having an accident and a lower car theft rate. People in densly populated areas regularly have more road rage incidents and much longer commute distances. More time behind the wheel can result in more accidents.
  • Where do you drive? – The more miles you rack up on your Chrysler each year the higher your rates will be. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks left parked in the garage can be on a lower rate level than cars that get driven a lot. Incorrect rating for your 200 is throwing money out the window. It’s always a good idea to double check that your declarations sheet shows the correct driver usage.
  • More than one policy can earn a discount – Most larger insurers give a discount to buyers who carry more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, it’s in your best interest to compare rates to verify if the discount is saving money. You may still save even more than the discount by buying from different companies.
  • Policy add-ons could be costing you – There are quite a few extra add-on coverages that may not really be needed on your 200 policy. Insurance for things like vanishing deductibles, accident forgiveness, and membership fees may be costing you every month. They may seem good when you first buy your policy, but if they’re wasting money remove them from your policy.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others. 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. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as attorney fees, court costs, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, hospital visits, prosthetic devices, funeral costs and pain medications. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

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

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter, damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

More effort can pay off

We just presented a lot of information how to save on 2013 Chrysler 200 insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the lowest prices are with an unexpected company.

Discount 2013 Chrysler 200 insurance is available on the web and also from your neighborhood agents, so get free insurance quotes from both of them so you have a total pricing picture. Some auto insurance companies do not provide price quotes online and usually these small insurance companies prefer to sell through independent agents.

People leave their current company for many reasons like delays in responding to claim requests, not issuing a premium refund, an unsatisfactory settlement offer or high prices. Whatever your reason, switching auto insurance companies is less work than it seems.

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