Finding better insurance prices for your Chrysler 200 in Washington can be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to shop for auto insurance and we'll show you the absolute fastest way to get price quotes for a new or used Chrysler and find the best price possible either online or from Seattle insurance agents.
It is always a good idea to check auto insurance prices before your policy renews because rates go up and down regularly. Even if you think you had the lowest premium rates on Chrysler 200 insurance in Seattle a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to use the internet to find great coverage at a great price.
Low-cost Chrysler insurance prices in Seattle
The companies shown below offer free rate quotes in Seattle, WA. If the list has multiple companies, we recommend you compare several of them in order to find the most competitive rates.
Don't overlook these eight Chrysler 200 insurance discounts
Insuring your fleet can be pricey, but you might be missing out on some discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but a few must be specially asked for before being credited.
- Driver Safety - Successfully completing a class that teaches safe driver techniques could earn you a small percentage discount and also improve your driving technique.
- Driver Education Discount - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class as it can save substantially.
- Savings for New Vehicles - Adding a new car to your policy can save you some money due to better safety requirements for newer vehicles.
- Driving Data Discount - Insureds who allow driving data submission to track driving habits through the use of a telematics system such as Progressive's Snapshot and State Farm's In-Drive could save a few bucks if their driving habits are good.
- Seat Belts Save more than Lives - Forcing all vehicle occupants to use a seat belt could save 15% off the PIP or medical payment premium.
- Full Payment Discount - By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
- Lower Rates for Military - Being deployed in the military could qualify you for better premium rates.
- Student in College - Kids who live away from home to go to college without a vehicle on campus may be able to be covered for less.
Drivers should understand that some credits don't apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, companies wouldn't make money that way.
To choose companies with significant discounts in Washington, click here.
When quoting and comparing adequate coverage for your personal vehicles, there really is no "best" method to buy coverage. Your financial needs are unique.
For example, these questions might help in determining whether your personal situation may require specific advice.
- Do I have coverage when using my vehicle for my home business?
- Can I cancel at any time?
- What happens if I owe more than my Chrysler 200 is worth?
- Is my Chrysler 200 covered if I use it for business?
- Does liability extend to a camper or trailer?
- Can I make deliveries for my home business?
If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
When should I talk to an insurance agent?
Many drivers just want to have an agent's advice and doing that can be a smart decision Insurance agents can help you build your policy and will help you if you have claims. The biggest benefit of comparing insurance prices online is that you can obtain better rates and also buy local.
After filling out this simple form, your coverage information is emailed to agents in your area who will give you quotes for your auto insurance coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered to your email. If you need to get a comparison quote from one company in particular, you would need to jump over to their website to submit a rate quote request.
Selecting a insurer should depend on more than just the price. The questions below may impact your decision as well.
- Does the agent recommend any additional coverage?
- Does the agent have a valid license to sell insurance in Washington?
- Are they in the agency full-time?
- Does the company use OEM repair parts?
- Are all drivers listed on the coverage quote?
- What is the financial rating for the quoted company?
- When do they do a full risk review?
The following is a short list of insurance companies in Seattle willing to provide price quotes for Chrysler 200 insurance in Seattle.
- State Farm: Karrie Dubose
1530 Westlake Ave N Suite 100 - Seattle, WA 98109 - (206) 971-5400 - View Map
- Chris Gibbens - State Farm Insurance Agent
607 W McGraw St - Seattle, WA 98119 - (206) 331-4864 - View Map
- George Fu - State Farm Insurance Agent
9026 Roosevelt Way NE - Seattle, WA 98115 - (206) 524-0330 - View Map
- Jeffrey Taylor - State Farm Insurance Agent
4850 Rainier Ave S - Seattle, WA 98118 - (206) 725-8008 - View Map
Auto insurance coverages 101
Having a good grasp of a auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive coverages - This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as rock chips in glass, damage from getting keyed, vandalism and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.
Liability coverages - Liability coverage can cover damage that occurs to other's property or people that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/10 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability can pay for things such as attorney fees, structural damage, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford. Washington requires minimum liability limits of 25/50/10 but drivers should carry more liability than the minimum.
Collision - This coverage pays for damage to your 200 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as rolling your car, crashing into a ditch, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible on your 200 to bring the cost down.
Uninsured and underinsured coverage - This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle's damage.
Since a lot of drivers only carry the minimum required liability limits (which is 25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, rehabilitation expenses, ambulance fees and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible
In this article, we covered a lot of ways to save on Chrysler 200 insurance in Seattle. It's most important to understand that the more times you quote, the higher your chance of finding inexpensive Seattle auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a small mutual company.
There are still a few companies who may not provide online quoting and usually these smaller providers provide coverage only through local independent agents. Low-cost Chrysler 200 insurance in Seattle can be bought both online and with local Seattle insurance agents, so compare prices from both to have the best chance of lowering rates.
Insureds change insurance companies for many reasons like high rates after DUI convictions, policy non-renewal, delays in paying claims or not issuing a premium refund. Regardless of your reason, switching companies is easier than you think.
Much more information about auto insurance in Washington can be found on the following sites:
- Cellphones, Texting and Driving (iihs.org)
- What Auto Insurance is Cheapest for Welfare Recipients in Seattle? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Grand Cherokee in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Focus in Seattle? (FAQ)
- What Insurance is Cheapest for Ride Shares in Seattle? (FAQ)
- How Much is Seattle Auto Insurance for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Auto Insurance for a Toyota Tundra in Seattle? (FAQ)
- What if I Can't Find Coverage? (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)