Find Cheaper Chrysler 200 Insurance in Santa Ana

Unbelievable but true according to a study almost 70% of insureds kept their policy with the same company for a minimum of four years, and nearly 40% of drivers have never compared quotes from other companies. Most drivers in California can cut their rates by roughly $470 a year, but most tend to underestimate how much money they would save if they bought a different policy.

Truthfully, the best way to save on Chrysler 200 insurance is to make a habit of regularly comparing prices from different companies in Santa Ana.

First, spend a few minutes and learn about car insurance and the modifications you can make to keep rates in check. Many things that cause high rates such as traffic tickets, fender benders, and a negative credit rating can be improved by making minor changes to your lifestyle.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.

Third, compare the new quotes to your existing coverage to see if a cheaper rate is available in Santa Ana. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.

A key point to remember is to make sure you enter identical deductibles and limits on each quote request and and to look at every insurance company. Doing this guarantees the most accurate price comparison and a complete selection of prices.

How much is Chrysler 200 insurance in Santa Ana, California?

When shopping for Chrysler 200 insurance in Santa Ana there are multiple ways of comparing rates from many available insurance companies in California. One of the best ways to compare insurance prices is to get quotes online.

It's so fast and easy to compare rates online that it takes the place of having to drive to insurance agencies in your area. Shopping for insurance online makes this process obsolete unless you want the guidance that you can only get from talking to an agent. Although you can compare the best prices online but purchase the actual policy in an agency. It's important to know that comparing more prices gives you a better chance of getting a lower rate. Some companies don't provide online rate quotes, so it's important to compare quotes on coverage from those companies, too.

The following companies can provide comparison quotes in Santa Ana, CA. If several companies are displayed, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Discounts for lower-cost auto insurance rates

Companies that sell car insurance don't necessarily list the entire discount list very clearly, so the following is a list of a few of the more common as well as the least known credits that may apply to you.

• Sign Early and Save - A few insurance companies allow discounts for buying a new policy prior to your current 200 insurance policy expiring. You can save around 10% with this discount.
• Payment Method - If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
• Discount for New Cars - Adding a new car to your policy can get you a discount since newer models have better safety ratings.
• Student Driver Training - Cut your cost by having your teen driver enroll in driver's education in high school.
• Federal Government Employee - Having worked for a branch of the government could cut as much as 10% off with certain companies.
• First Accident Forgiveness - This one is not really a discount per se, but companies like Allstate and State Farm may permit one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Seat Belts Save - Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Air Bags and Passive Restraints - Factory options such as air bags or automatic seat belts may qualify for discounts as much as 30%.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, companies wouldn't make money that way.

Insurance companies that possibly offer these benefits include:

• GEICO
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

When getting free Santa Ana car insurance quotes, it's a good idea to every insurance company to apply every possible discount. Depending on the company, some discounts may not be offered in Santa Ana.

How do Car Insurance Companies Determine Chrysler 200 Insurance Costs?

Many things are used when pricing auto insurance. Some factors are common sense like your driving record, although others are more obscure like your vehicle usage or your commute time. An important part of buying insurance is that you know the rating factors that help calculate car insurance rates. When you know what positively or negatively determines premiums, this allows you to make educated decisions that could result in lower rates.

Do you work long hours in a high stress job? - Jobs like military personnel, social workers, and accountants generally pay higher rates than average in part from job stress and long work hours. On the flip side, occupations such as scientists, students and performers pay lower than average rates.

Too many car insurance claims drive up car insurance rates - If you file claims often, you should expect either policy cancellation or increased premiums. Insurance companies in California award the best rates to drivers who are claim-free. Your car insurance is designed for major claims that would cause financial hardship.

Good drivers have lower costs - Having just one speeding ticket or other violation may increase your cost by twenty percent. Attentive drivers have lower premiums compared to drivers with tickets. Drivers who have gotten dangerous violations such as hit and run, DWI or reckless driving convictions may find that they have to to file a SR-22 with their state DMV in order to prevent their license from being revoked.

Safeguard your assets with liability protection - Your policy's liability coverage will provide protection when you are determined to be liable for damages from an accident. This coverage provides legal defense coverage which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

Bad credit will cost you - Your credit rating can be a huge factor in determining your rates. If your credit rating could use some work, you could pay less to insure your Chrysler 200 by spending a little time repairing your credit. People that have high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings.

Your spouse saves you money - Having a wife or husband helps lower the price when buying car insurance. Having a spouse is viewed as being more mature than a single person and insurance companies reward insureds because married drivers tend to file fewer claims.

Gals tend to take less risk - Statistics have proven that females tend to be a little less risky than males. The data does not necessarily mean that females are better drivers. Males and females are responsible for auto accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also receive more costly citations like DWI (DUI) or reckless driving.

Cheaper rates with high comp and collision deductibles - Protection for physical damage, also called 'full coverage', covers your vehicle from damage. Some coverage claims are a broken windshield, flood damage, or theft. The deductibles represent how much money you are required to pay if you file a covered claim. The more expense you have to pay, the less money you will pay for car insurance.

Insurance loss probability for a Chrysler 200 - Auto insurance companies analyze the history of losses to help calculate premium rates. Models that historically have higher claim frequency or loss amount will have a higher cost to insure.

The table below outlines the insurance loss data used by companies for Chrysler 200 vehicles. For each type of coverage, the claim probability for all vehicles, as an average, equals 100. Numbers shown that are under 100 represent a good loss history, while values over 100 indicate more frequent claims or an increased likelihood of larger losses.