Top Tricks to Lowering Your Chrysler 200 Insurance Rates in Nevada

Are you tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other Nevada drivers.

Popular companies such as GEICO, Progressive and Allstate all claim big savings with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

You should take the time to take a look at other company’s rates at least once a year since rates go up and down regularly. If you had the lowest rates for 200 insurance a year ago you can probably find a better price now. Starting right now, forget anything you know (or think you know) about car insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.

Free Quotes for Car Insurance in Nevada

There are several ways of comparing rates from different in Nevadainsurance companies. The best way to compare insurance prices is to use the internet to compare rates. This can be done in several different ways.

The first (and easiest) way to get quotes is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing boring form submissions to each individual car insurance company. One quote request compares rates from car insurance companies with the best prices.

A slightly less efficient method to obtain and compare quotes online requires a trip to each individual company website and request a quote. For examples sake, let’s say you want to compare rates from Liberty Mutual, Allstate and Progressive. To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples deductibles and coverage limits with every price quote. If your comparisons have different values for each quote you will not be able to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that getting more free quotes helps locate the best offered rates.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few must be manually applied before being credited.

  • Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Lower Rates for Military – Having a family member in the military can result in better rates.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut the amount you have to pay.

To choose companies who offer car insurance discounts in Nevada, click this link.

Chrysler 200 rates influenced by many factors

It’s important that you understand the different types of things that help determine your car insurance rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to big savings.

  • What are your deductibles? – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Chrysler from damage. Examples of covered claims could be collision with another vehicle, vandalism, and rolling your vehicle. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more money you’re willing to pay, the less your car insurance will be for 200 insurance.
  • Where you live can impact rates – Residing in a small town is a positive aspect when insuring your vehicles. Less people living in that area means a lower chance of having an accident. City drivers regularly have more traffic problems and longer commute times. Higher commute times means more change of being in an accident.
  • Type of vehicle determines base rates – The performance of the car you own makes a big difference in the rate you pay. Since the Chrysler 200 falls in the passenger car class, rates will be similar in price or lower than the average rate where you live. Small economy passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.
  • With age comes lower rates – Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Young drivers are known to be less responsible behind the wheel and because of this, their car insurance rates are much higher.
  • Small claims can cost you – Companies in Nevada provide lower rates to drivers who are claim-free. If you file claims often, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • How many coverages with the same company – Some insurance companies provide better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Extra coverages can waste money – There are a ton of additional coverages that you can buy when buying car insurance. Insurance for vanishing deductibles, towing coverage and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • How’s your driving record? – Good drivers get better rates than people who have multiple driving citations. Even a single moving violation can increase rates by as much as thirty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

Tailor your coverage to you

When buying the best car insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Are split liability limits better than a combined single limit?
  • Is my Chrysler 200 covered for flood damage?
  • How much underlying liability do I need for an umbrella policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is there coverage for injuries to my pets?
  • Can my teen driver be rated on a liability-only vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When should I remove comp and collision on my Chrysler 200?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Additional car insurance information is available on the website for the Nevada Division of Insurance. Click here for link. Nevada drivers can find out which companies have the most complaints, learn about insurance regulations, and file complaints about a company.

The articles below may also help you learn more about car insurance in Nevada

Save $495 a year. For real?

Car insurance providers like Allstate and Progressive constantly bombard you with ads on TV and radio. They all have a common claim about savings if you switch to their company. How can each company make the same claim? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that is profitable for them. For instance, a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

quote Chrysler 200 insurance

Drivers who don’t measure up to the requirements will be quoted higher prices and ends up with business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can make those claims.

This emphasizes why you need to compare many company’s rates. It’s impossible to know which insurance companies will have the lowest rates.

One last thing

The cheapest Chrysler 200 insurance can be purchased both online as well as from independent agents in Nevada, so compare prices from both in order to have the best price selection to choose from. Some companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

You just learned many ways to lower your Chrysler 200 insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.