Cheapest 2014 Chrysler 200 Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Are you sick and tired of paying out the nose to insure your Chrysler every month? You’re in the same situation as most other car owners. There are many car insurance companies to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to find the lowest cost provider.
You should make it a habit to price shop coverage before your policy renews since rates go up and down regularly. Just because you had the best deal for 200 coverage a few years ago you may be paying too much now. So ignore everything you know about insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.
Cut your car insurance rates with discounts
Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some may not be applied and must be manually applied before you get the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
- Lower Rates for Military – Having a family member in the military could mean lower rates.
- Multi-policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Homeowners Savings – Simply owning a home can help you save on car insurance because owning a home demonstrates responsibility.
- Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
- Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
- Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. Just because you may think you could get a free car insurance policy, you’re out of luck. Any amount of discount will bring down the amount you have to pay.
A partial list of companies that may offer these benefits are:
Check with each company which discounts they offer. All car insurance discounts might not apply in your area.
What determines your Chrysler 200 insurance premium
Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in big savings.
Listed below are a partial list of the pieces used by your company to calculate premiums.
- Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
- Younger drivers pay higher rates – Older drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers tend to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
- Protect your assets with liability insurance – The liability section of your policy will protect you when you are found liable for damages from an accident. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
- Proper usage rating affects rates – The more you drive in a year the higher your rates will be. Most companies apply a rate determined by how the vehicle is used. Autos left parked in the garage receive lower rates than those used for commuting. An improperly rated 200 can cost quite a bit. Make sure your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
- Do you need those extra coverages? – There are quite a few extra coverages you can purchase on your 2014 200 policy. Coverages like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don’t need them get rid of them and save.
You are unique and your insurance coverage should be too
When choosing the right insurance coverage, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation might need an agent’s assistance.
- What is the ISO rating for a 2014 Chrysler 200?
- Does my policy pay for OEM or aftermarket parts?
- Should I waive the damage coverage when renting a car?
- Are my tools covered if they get stolen from my vehicle?
- Should I drop comprehensive coverage on older vehicles?
- What vehicles should carry emergency assistance coverage?
- Is my teen driver covered when they drive my company car?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
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Auto insurance coverages 101
Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.
Collision coverage – This covers damage to your 200 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like backing into a parked car, damaging your car on a curb, hitting a parking meter, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive insurance – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like doctor visits, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Liability auto insurance – This protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for 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. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability insurance covers things like pain and suffering, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Shop Smart and Save
As you shop your coverage around, you should never buy less coverage just to save a little money. There have been many situations where an insured dropped collision coverage and found out when filing a claim that they should have had better coverage. Your goal should be to buy the best coverage you can find at the best price.
We just presented a lot of ways to get a better price on 2014 Chrysler 200 insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with a small mutual company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Auto Insurance 101 (About.com)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Things to Know Before you Cancel Insurance (Allstate)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
- Neck Injury FAQ (iihs.org)
Frequently Asked Questions
What factors determine the insurance rates for a 2014 Chrysler 200?
Insurance rates for a 2014 Chrysler 200 are determined by several factors, including the driver’s age, driving record, location, insurance history, coverage options, deductibles, and the value of the vehicle. Other factors that may influence rates include the 200’s model, trim level, safety features, repair costs, and theft rates.
Is the insurance rate for a 2014 Chrysler 200 higher compared to other vehicles?
The insurance rates for a 2014 Chrysler 200 are generally in the lower to mid-range compared to other vehicles. The 200 is a midsize sedan with typically lower repair costs and a good safety record, which can contribute to more affordable insurance rates. However, rates can vary among insurance providers, and it’s recommended to compare quotes from different companies to find the most affordable option for the 2014 Chrysler 200.
Are there any specific discounts available for insuring a 2014 Chrysler 200?
Insurance companies may offer various discounts that can help lower the insurance rates for a 2014 Chrysler 200. Some potential discounts include multi-policy discounts, safe driver discounts, discounts for certain safety features on the vehicle, and loyalty discounts for long-term customers. Contact insurance providers to inquire about available discounts specific to the 200.
How can I find the cheapest insurance rates for a 2014 Chrysler 200?
To find the cheapest insurance rates for a 2014 Chrysler 200, it’s advisable to shop around and obtain quotes from multiple insurance providers. Contact different insurance companies directly, use online comparison tools, or consult with an insurance broker who can gather quotes on your behalf. Comparing rates and coverage options will help you find the most competitive offer.
Are there any specific insurance providers known for offering competitive rates for midsize sedans like the 2014 Chrysler 200?
Insurance rates can vary among providers, and the competitiveness of rates may change over time. It is recommended to research and compare quotes from various insurance companies that specialize in insuring midsize sedans. Look for providers with experience in insuring similar vehicles to find the best rates for the 2014 Chrysler 200.
Can I adjust my coverage options to lower the insurance rates for a 2014 Chrysler 200?
Adjusting your coverage options can potentially affect the insurance rates for a 2014 Chrysler 200. However, it’s important to carefully consider the potential risks and benefits of reducing coverage. Lowering coverage limits or removing certain types of coverage may leave you financially vulnerable in case of an accident or other incidents. It’s advisable to consult with an insurance professional to determine the appropriate coverage levels for your needs.
Are there any specific precautions I can take to potentially lower the insurance rates for a 2014 Chrysler 200?
While insurance rates are determined by various factors, there are some precautions you can take to potentially lower the insurance rates for your 2014 Chrysler 200. These include maintaining a clean driving record, installing safety features such as anti-theft devices and alarm systems, parking in a secure location, and completing defensive driving courses. Some insurance providers may offer discounts for such precautions.
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