Cheapest Quotes for Chrysler 200 Insurance in Austin

Are you regretting the purchase of an overpriced insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse.

Insurance for Chrysler 200Astonishng but true according to a recent study, 70% of consumers renewed their policy with the same company for over three years, and 38% of customers have never taken the time to shop around. With the average premium in Texas being $2,700, drivers can save up to $1,766 each year, but they don’t want to take the time to compare rates online.

Insurance companies such as State Farm and GEICO all claim big savings with catchy ads and it can be hard to see past the corporate glitz and take the time to shop coverage around.

If you currently have insurance, you will surely be able to lower your rates using the ideas covered in this article. Buying affordable insurance in Austin is actually not that difficult if you follow our advice. But Texas consumers benefit from understanding how the larger insurance companies calculate their prices.

Why Informed Consumers Pay Less for Chrysler 200 Insurance

Lots of factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious such as your marital status and annual miles driven.

Choose high safety ratings and save – Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums. If your Chrysler scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

You may save more by combining policies – The majority of insurance companies will give discounts for people that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to guarantee you are still saving the most. You may still be able to save even more than the discount by splitting coverages up.

Car insurance rates and your job – Careers like judges, executives and financial analysts are shown to have higher premium rates due to intense work requirements and lots of time spent at work. Conversely, jobs such as scientists, students and performers have the lowest average rates.

More performance means higher rates – The performance of the car you are buying insurance for makes a significant difference in the rate you pay. The lowest base rates are usually for low performance passenger vehicles, but that’s not the only thing that factors into the final price. Because the Chrysler 200 is classified as a passenger car, insurance will be similar in price or lower than the average rate where you live in Austin.

Annual mileage impacts prices – The more you drive in a year’s time the higher the price you pay to insure it. Almost all companies charge rates determined by how the vehicle is used. Autos used primarily for pleasure use get more affordable rates compared to those used for work or business. An improperly rated 200 is just wasting money. Double check that your car insurance policy properly reflects the correct usage for each vehicle, because improper ratings can cost you money.

Insurance loss probability for a Chrysler 200 – Insurance companies include the past claim history for a vehicle to help calculate premium prices. Vehicles that statistically have higher claim frequency or loss amount will cost more for coverage.

The table below demonstrates the historical insurance loss data for Chrysler 200 vehicles. For each policy coverage, the loss probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers under 100 suggest a better than average loss history, while percentage values above 100 indicate higher probability of having a loss or an increased chance of a larger loss.

Chrysler 200 Insurance Claim Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chrysler 200 2WD 117 113 116 174 189 152
Chrysler 200 4WD 117 112 108 127

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

It’s important to know that having more price comparisons provides better odds of finding a lower rate.

The auto insurance companies shown below offer price comparisons in Austin, TX. If more than one company is shown, we recommend you visit two to three different companies in order to find the cheapest rates.

Auto insurance does more than just protect your car

Even though it can be expensive, auto insurance is a good idea for several reasons.

The benefits of having insurance definitely exceed the cost, especially when you need to use it. An average driver in America overpays as much as $700 annually so it’s recommended you shop around every year to save money.

Austin insurance discounts for a Chrysler 200

Some providers don’t list all their discounts in a way that’s easy to find, so we break down some of the more common in addition to some of the lesser obvious discounts that you may qualify for.Save money with discounts

Remember that many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

A list of car insurance companies and the discounts they provide can be read below.

If you need affordable Chrysler 200 insurance quotes, ask every company how many discounts you can get. A few discounts may not apply to policyholders everywhere.

You may want advice from a local insurance agent

Some consumers just want to get professional advice from a licensed agent and that is not a bad decision The best thing about price shopping on the web is that drivers can save money and get cheap car insurance quotes but still work with a licensed agent.

Insurance agents in AustinTo make it easy to find an agent, after completing this short form, your insurance data is submitted to local insurance agents in Austin that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents as quotes are delivered directly to you. You can find the lowest rates AND a local agent. If you have a need to get a rate quote for a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.

Picking an provider should include more criteria than just a cheap price quote. You should also get answers to these questions.

If you’re trying to find a good insurance agency, it’s important to understand the different agency structures that differ in how they can insure your vehicles. Car insurance agencies can either be independent or exclusive.

Exclusive Insurance Agents

Agents that elect to be exclusive can only place business with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so always compare other rates. These agents are very knowledgeable on what they offer which helps them sell on service rather than price.

Below is a list of exclusive agents in Austin who can help you get rate quotes.

2307 W Parmer LnAustin, TX 78727(512) 973-8501View Map

1717 W 6th St #214Austin, TX 78703(512) 382-6019View Map

9811 S IH 35 Frontage Rd #120Austin, TX 78744(512) 851-2539View Map

More Austin agents

Independent Insurance Agents

Agents of this type are not employed by one company and that is an advantage because they can write policies through many companies and get you the best rates possible. If you want to switch companies, they simply move your policy to a different company and that require little work on your part.

When comparing car insurance rates, we recommend you get rate quotes from at least one independent agent to have the best price comparison.

Shown below is a short list of independent agencies in Austin willing to provide price quotes.

343 S Congress AveAustin, TX 78704(512) 444-3279View Map

4502 S Congress AveAustin, TX 78745(512) 444-4040View Map

9705 Burnet Rd #314Austin, TX 78758(512) 339-2901View Map

More Austin agents

The best insurance company isn’t always the cheapest

You just learned many ways to lower your Chrysler 200 insurance prices in Austin. The key concept to understand is the more price quotes you have, the better likelihood of getting inexpensive Austin auto insurance quotes. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

More affordable insurance in Austin is definitely available online and with local Austin insurance agents, so get free Austin auto insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and most of the time these small insurance companies only sell through local independent agencies.

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