Cheapest 2012 Chrysler 200 Insurance Rates in 2023
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UPDATED: Jun 8, 2023
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Trying to find better auto insurance rates? Buyers have a choice when searching for the best price on Chrysler 200 insurance. They can either waste time struggling with agents to compare prices or use the internet to get rate quotes.
There are more efficient ways to find auto insurance online so we’re going to tell you the best way to get price quotes for a Chrysler and find the best price possible from both online companies and local agents.
If you have a current insurance policy or need a new policy, you can use these tips to get lower rates while maximizing coverage. The purpose of this post is to familiarize you with how to effectively get price quotes and some money-saving tips. Drivers only need an understanding of the tricks to shop their coverage around over the internet.
Save big with these five discounts
Car insurance is not cheap, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some may not be applied and must be requested specifically prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
- Claim Free – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
- Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
- Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
- Federal Government Employee – Simply working for the federal government can save as much as 8% on 200 coverage with a few insurance companies.
- Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will cut your overall premium however.
Car insurance companies who might offer these money-saving discounts may include but are not limited to:
- American Family
- The Hartford
Check with each insurance company how you can save money. Discounts might not be offered in your area.
But I don’t know anything about car insurance
When buying adequate coverage, there really is not a one size fits all plan. Every insured’s situation is different.
For instance, these questions may help you determine whether your personal situation will benefit from professional help.
- Is my vehicle covered by my employer’s policy when using it for work?
- How high should my medical payments coverage be?
- How does medical payments coverage work?
- Is a blown tire covered by insurance?
- When should I buy a commercial auto policy?
- What discounts do I qualify for?
- Can I make deliveries for my home business?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.
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The insurance bait and switch
Consumers get pounded daily by advertisements for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise of big savings if you switch your coverage to them.
How can each company make almost identical claims? This is how they do it.
Different companies are able to cherry pick for the driver that makes them money. An example of a preferred risk could possibly be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.
Potential insureds who do not match these standards will have to pay a higher premium and this can result in the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why companies can make those claims.
Because of the profiling, drivers should get a wide range of price quotes. You cannot predict which insurance company will give you the biggest savings on Chrysler 200 insurance.
Specific coverages for a 2012 Chrysler 200
Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chrysler 200.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.
Liability insurance will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover 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. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like pain and suffering, legal defense fees and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for chiropractic care, doctor visits, pain medications, dental work and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
This coverage covers damage to your 200 from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like scraping a guard rail, crashing into a building, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.
Never pay more for less
Cheaper 2012 Chrysler 200 insurance is available both online and with local insurance agents, so compare prices from both to have the best rate selection. Some companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
You just learned a lot of information how to compare insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest rates come from a smaller regional carrier.
As you prepare to switch companies, do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at a price you can afford.
Other learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Booster Seat Ratings (iihs.org)
- Teen Driving Statistics (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance for my 2012 Chrysler 200?
To find the cheapest insurance for your 2012 Chrysler 200, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Opt for higher deductibles: Choosing a higher deductible can lower your insurance premium, but make sure you can afford to pay the deductible if you need to make a claim.
- Maintain a clean driving record: Having a history of safe driving can help you secure lower insurance rates.
- Explore available discounts: Inquire about any discounts you may be eligible for, such as multi-policy, multi-vehicle, or good driver discounts.
- Consider usage-based insurance: Some insurance companies offer programs where your rates are based on your driving habits, potentially resulting in lower premiums if you have good driving behavior.
What factors influence the cost of insurance for a 2012 Chrysler 200?
Several factors can affect the cost of insurance for a 2012 Chrysler 200, including:
- Age and driving experience: Younger and inexperienced drivers typically pay higher insurance premiums.
- Location: Insurance rates can vary based on your location due to factors like crime rates and accident frequency in the area.
- Vehicle usage: The intended use of your car, such as personal or business, can impact insurance rates.
- Coverage and deductible: The type and level of coverage you choose, as well as your deductible amount, can affect your insurance premium.
- Driving record: A history of accidents or traffic violations can result in higher insurance rates.
- Credit history: Some insurance providers consider credit history when determining premiums.
- Safety features: The presence of safety features in your 2012 Chrysler 200, such as anti-lock brakes, airbags, or an anti-theft system, can potentially lower your insurance costs.
Are there any specific insurance providers known for offering affordable rates for a 2012 Chrysler 200?
While specific insurance rates can vary based on individual circumstances, it’s generally a good idea to consider obtaining quotes from various insurance providers. Some well-known insurance companies often offer competitive rates for auto insurance, including:
- State Farm
- USAA (for military personnel and their families)
Are there any insurance discounts available specifically for a 2012 Chrysler 200?
Insurance discounts can vary depending on the insurance provider, but some common discounts that may apply to a 2012 Chrysler 200 (or any vehicle) include:
- Multi-policy discount: If you insure your Chrysler 200 and other policies, such as home or renters insurance, with the same provider, you may qualify for a discount.
- Multi-vehicle discount: If you insure multiple vehicles on the same policy, you may be eligible for a discount.
- Good driver discount: Maintaining a clean driving record with no accidents or traffic violations can often lead to discounted rates.
- Safety features discount: If your 2012 Chrysler 200 is equipped with safety features like anti-lock brakes, airbags, or an anti-theft system, you may qualify for a discount.
- Low mileage discount: If you don’t drive your Chrysler 200 extensively, you may be eligible for a discount.
- Good student discount: If you’re a student with good grades, you may qualify for discounted rates.
- Pay-in-full discount: Some insurers offer discounts if you pay your premium in full rather than in installments.
Are there any additional tips to lower the cost of insurance for my 2012 Chrysler 200?
Here are some additional tips to potentially reduce the cost of insurance for your 2012 Chrysler 200:
- Take a defensive driving course: Successfully completing a defensive driving course can sometimes qualify you for discounted rates.
- Maintain a good credit score: Some insurance companies consider credit history when determining premiums, so maintaining a good credit score may help lower your rates.
- Remove unnecessary coverage: Review your insurance policy to ensure you’re not paying for coverage you don’t need, but be cautious to maintain adequate protection.
- Avoid filing small claims: Consider handling minor damages out of pocket instead of filing a claim, as multiple claims can lead to higher premiums.
- Regularly review your policy: As your circumstances change, such as moving or adding safety features, update your insurance provider to see if it affects your rates.
- Bundle insurance policies: If you have multiple insurance needs, bundling them with one provider may result in discounted rates.
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