Car Insurance Quotes for a Chrysler 200

The average annual premium for a Chrysler 200 is $1,762 for full coverage car insurance.

Full coverage with collision and comprehensive offers greater protection, packaging liability, collision, and comprehensive insurance. These offer third-party and first-party benefits with coverage for the cost of damage or injuries sustained in an accident, regardless of who is at fault.

If you have any questions about affordable auto insurance policies, Freeway Insurance is ready to help.

Freeway Insurance will help you explore different auto insurance options, including state minimum liability and full coverage.

The main difference between both options includes coverage scope (third-party only versus third-party in the first-party benefits), protection for your vehicle, and cost considerations, as state minimum liability is much cheaper than full coverage, thanks to its limited protections.

Full Coverage

A full coverage policy is highly recommended if you want to be adequately covered in the event of an accident. It typically includes a combination of liability, collision, and comprehensive first- and third-party coverage for damages and injuries to you, your passengers, and your vehicle.

One of the main reasons why a full coverage policy is recommended over a state minimum liability is due to the first-party protections it provides. For example, collision and comprehensive pays for collision and non-collision related damages, such as vehicle-to-vehicle, vehicle-to-object, rollover, and non-collision related events like theft, vandalism, and falling tree limbs.

With comprehensive and collision, insurance companies can expect to pay for repairing or replacing your vehicle up to specific liability limits minus your deductible, usually anywhere from $200 to $2,000. Note this coverage does not include roadside assistance, rental car reimbursement, medical payments (MedPay), and personal injury protection (PIP), depending on your state.

State Minimum Liability

All Chrysler 200 drivers must carry a basic level of state minimum liability coverage in case of an accident. Failure to abide by this will result in penalties, fines, and a suspended driver’s license and registration until you can provide proof of insurance.

Liability consists of two types of coverage: bodily injury and property damage to help pay for the repair or replacement of someone else’s vehicle or property that you damaged in an at-fault accident.

Most states have minimum mandated liability limits. For example, Maine requires a minimum 50/100/25 policy or $50,000 in bodily injury per person, $100,000 in bodily injury liability per accident, and $25,000 in property damage per accident.

On top of that, Maine drivers must also carry $50,000/$100,000 in uninsured/underinsured motorist coverage per person/accident, as well as $2,000 in MedPay.

Many individual factors influence the price Chrysler 200 drivers pay for auto insurance, including age, driving record, vehicle type, and location.

Age

Expect younger drivers to pay significantly higher premiums than older adults due to their limited driving experience and a higher number of claims collectively. Remember, the more claims, at-fault accidents, and traffic violations on your record, the higher your premiums.

Vehicle Type

Your vehicle’s make and model can influence your insurance rates. For example, cars with a higher costs for parts and labor, extensive recall records, and lack of advanced safety systems can expect to pay higher premiums.

Location

Location plays a significant role in your insurance rates. Expect residents of densely populated, high congestion, and high crime areas to pay more than residents living in rural and suburban areas, as the likelihood of accidents and claims is much higher.

If you are a Chrysler 200 driver with a recent DUI conviction, expect some serious consequences.

You can expect a suspended driver’s license/registration, fines, and administrative fees paid to your state’s department of motor vehicles. Depending on the severity of the offense, you may even face possible jail time.

Additionally, expect your insurance rates to increase significantly, even doubling or tripling, depending on if it’s your first offense or more. The exact rate increase will depend on the insurance company and the applicable state laws. The DUI conviction remains on your record for several years, so your premiums will remain elevated before gradually tapering down over time with a clean driving record.

Lastly, remember that you will also likely be required to file an SR-22, an add-on to your existing policy that lets the state know you’re carrying the minimum required liability insurance to drive legally in the state. This form is filed through your insurance provider.

If you have been recently convicted of a DUI, participating in the defensive driving course and seeking cheap DUI quotes from multiple insurance providers are excellent steps. Remember, you are now reclassified as a high-risk driver, so purchasing an affordable policy will be much more difficult.

If you want to save extra cash on your next auto insurance premium, two popular discounts to consider are good driver and bundling discounts.

Good driver discounts are given to drivers with no claims, at-fault accidents, moving violations, or other traffic infractions within the last three to five years, with the required time frame depending on the insurance company. In turn, bundling discounts are given to policyholders that purchase two or more policies under the same insurer, saving anywhere from 5% to 25% off each (a nice alternative to buying each one individually).

Other discounts available to Chrysler 200 drivers include:

This is a vehicle in the midsize SUV segment, discontinued after the 2017 model year (all specs below are listed based on the latest model year).

It comes in five trims: LX, Touring, Limited Platinum, 200S, and 200C Platinum, all powered by a single 184-horsepower four-cylinder engine.

Standard features include a four-speaker audio system, a USB port, a proximity key, and a rearview camera. Upgrading to the highest level trim, Limited Platinum throws in an 8.4-inch Uconnect infotainment system and an 8-way adjustable power driver seat.

Main competitors are the Mazda3, Nissan Altima, Toyota Camry, and Honda Accord.