Would you like to find lower-priced Chrysler 200 insurance in Sacramento? I really doubt anyone anticipates paying for insurance, especially when they are aware that the cost is way too high.
Unfortunately, most insurance customers have stayed with the same insurance company for well over three years, and roughly 40% of drivers have never taken the time to shop around. With the average insurance premium being $1,390, California drivers could save up to 35% every year just by getting comparison quotes, but they don’t want to take the time to compare other rate quotes.
Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider and uncover the absolute best price available on Chrysler 200 insurance in Sacramento.
Companies offering Chrysler 200 insurance in Sacramento
The companies shown below provide price quotes in Sacramento, CA. If you want to find the best auto insurance in California, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
Chrysler 200 Insurance Price Factors
Part of the car insurance buying process is learning a few of the rating criteria that go into determining car insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that can earn you better car insurance rates.
Do you have enough liability? – Your car insurance policy’s liability coverage will protect you when you are determined to be liable for an accident. This coverage provides legal defense starting from day one. It is affordable coverage compared to comp and collision, so insureds should have plenty of protection for their assets.
More performance means more cost – The type of car or truck you are buying insurance for makes a substantial difference in your car insurance bill. Low performance passenger vehicles usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.
Safety ratings are a factor – Vehicles that have high safety ratings tend to have lower insurance rates. Safer cars reduce occupant injuries and fewer serious injuries translates directly to fewer claims and more competitive rates for policyholders. If your Chrysler has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
Do you need those add-on coverages? – There are a lot of additional coverages that you can buy but may not be useful. Things like replacement cost coverage, accident forgiveness, and extra equipment coverage are examples of these. These coverages may sound good initially, but your money might be better spent on other coverage so think about removing them and cutting costs.
Premiums and vocation – Did you know your car insurance rates can be affected by your occupation? Occupational choices like judges, business owners, and stock brokers tend to have the highest average rates due to intense work requirements and incredibly demanding work hours. Conversely, professions such as actors, students and the unemployed pay the least.
Decrease car insurance rates by maintaining coverage – Driving without insurance coverage in place is not a good idea and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance could earn you a steep fine or even jail time.
Loss statistics for a Chrysler 200 – Insurers use past insurance losses when setting premium prices. Vehicles that have a trend towards higher claim severity or frequency will have higher premium rates.
The table below demonstrates the historical insurance loss data for Chrysler 200 vehicles. For each coverage type, the claim amount for all vehicles combined as an average equals 100. Values below 100 indicate a favorable loss history, while numbers above 100 indicate more frequent claims or an increased likelihood of larger losses.
| Vehicle Make and 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
Cheaper Chrysler 200 insurance rates in Sacramento
Companies that sell car insurance don’t always list every discount in an easy-to-find place, so we researched a few of the more common and also the lesser-known credits available to you. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy on the web.
- Low Mileage Discounts – Keeping the miles down on your Chrysler could earn discounted premium rates on garaged vehicles.
- Data Collection Discounts – People who choose to allow driving data collection to analyze driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they exhibit good driving behavior.
- Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
- Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
- Multi-policy Discount – If you combine your home and auto policies and place coverage with the same company you may earn at least 10% off all policies.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a Sacramento car insurance quote.
Drivers should understand that many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount will definitely reduce the amount you have to pay.
To find insurers with discount rates in California, click here.
Buying auto insurance from Sacramento insurance agencies
Certain consumers would prefer to buy from a local agent and that is just fine! The biggest benefit of price shopping on the web is you may find cheap auto insurance rates and still buy from a local agent.
For easy comparison, once you complete this quick form, your insurance data is transmitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. There is no need to even leave your home because quoted prices will be sent to you instantly. Get lower rates without requiring a lot of work. In the event you want to compare rates from a particular provider, feel free to navigate to their website and fill out the quote form the provide.
Picking an insurer requires you to look at more than just a cheap quote. Any good agent in Sacramento should know the answers to these questions.
- How much can you save by raising your physical damage deductibles?
- Is insurance their full-time profession?
- How long has their agency been open in Sacramento?
- Where would glass claims be handled in Sacramento?
- When do they do policy reviews?
- What discounts might you be missing?
Shown below is a list of insurance companies in Sacramento that may be able to provide comparison quotes for Chrysler 200 insurance in Sacramento.
Melissa Saites Nelson Insurance Agency, Inc.
4749 J St – Sacramento, CA 95819 – (916) 531-6061 – View Map
Bob Spears – State Farm Insurance Agent
3110 Fulton Ave – Sacramento, CA 95821 – (916) 482-9227 – View Map
Ice Insurance Agency
813 F St – Sacramento, CA 95814 – (916) 387-6800 – View Map
Allstate Insurance: John Chandler
900 Jefferson Blvd #110 – West Sacramento, CA 95691 – (916) 374-1600 – View Map
Once you have received good feedback and an acceptable price quote, you may have found an insurance company that meets the requirements to properly service your auto insurance policy. Just be aware that you can always cancel your policy whenever you choose to so don’t assume you are locked into your new company indefinitely.
Which auto insurance company is best in Sacramento?
Finding a high-quality insurance provider can be rather challenging considering how many companies sell insurance in Sacramento. The ranking information shown below may help you choose which car insurance providers to look at when looking for cheaper rates.
Top 10 Sacramento Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Car insurance can get complicated
Always keep in mind that when comparing a policy for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.
These are some specific questions might help in determining if your situation would benefit from professional advice.
- How high should my medical payments coverage be?
- Do I have coverage if my license is suspended?
- What is no-fault insurance?
- What if an uninsured driver hits me?
- Is my custom paint covered by insurance?
- Am I covered when delivering products for my home-based business?
- Do I need more liability coverage?
- Does my policy pay for OEM or aftermarket parts?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.
Don’t give up on affordable premiums
You just read some good ideas how to save on Chrysler 200 insurance in Sacramento. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest car insurance rates are with some of the lesser-known companies.
As you prepare to switch companies, you should never buy poor coverage just to save money. There are a lot of situations where an accident victim reduced full coverage only to regret at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.
Budget-friendly auto insurance in Sacramento can be bought both online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer the ability to get quotes online and many times these regional insurance providers only sell coverage through independent insurance agents.
How to quote cheaper Chrysler 200 insurance in Sacramento
To save the most money, the best way to get budget Chrysler 200 insurance is to start comparing rates regularly from different companies that insure vehicles in Sacramento. You can compare prices by following these steps.
First, spend a few minutes and learn about policy coverages and the things you can control to prevent rate increases. Many things that result in higher prices such as traffic violations and a not-so-good credit score can be controlled by making small lifestyle or driving habit changes.
Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from many different companies.
Third, compare the new rates to your current policy premium to determine if you can save on 200 insurance in Sacramento. If you can save money, make sure coverage does not lapse between policies.
A crucial key to this process is that you’ll want to compare similar deductibles and liability limits on every quote and and to get price quotes from every insurance company. Doing this guarantees a fair rate comparison and a complete price analysis.
Additional resources
- Insuring a Leased Car (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for a Subaru Outback in Sacramento? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Information for Teen Drivers (GEICO)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)