Do you want an efficient way to compare lower-priced Chrysler 200 insurance in Houston? Locating the cheapest insurance for a new or used Chrysler 200 in Texas could be a painful process, but you can learn a few tricks to make it easier.
There are both good and bad ways to shop for car insurance so you're going to learn the proper way to price shop coverage for a new or used Chrysler and locate the lowest possible price either online or from Houston insurance agents.
Unbelievable but true, the vast majority of drivers have bought car insurance from the same company for well over three years, and practically 40% of car insurance customers have never compared rates from other carriers. The average driver in Houston could save approximately $1,770 every year by just comparing rate quotes, but they just don't understand how much money they would save if they just switched companies.
It's important to get comparison quotes at least once a year because insurance prices are adjusted regularly by insurance companies. Even if you got the lowest quotes on Chrysler 200 insurance in Houston a couple years back there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I'm going to teach you how to use the internet to reduce your cost while increasing coverage.
Low-cost companies for Chrysler 200 insurance in Texas
The car insurance companies shown below provide price comparisons in Houston, TX. If more than one company is shown, we recommend you click on several of them to get the best price comparison.
Learn How to Lower Your Insurance Prices
Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for auto insurance. When you understand what determines premiums, this empowers consumers to make smart changes that can help you get big savings.
Pay more of a claim out-of-pocket - Insurance for physical damage to your car, also called 'full coverage', covers damage that occurs to your Chrysler. Examples of covered claims are a broken windshield, hitting a deer, and burglary. The deductibles you choose are the amount of money you are required to spend if a covered claim is submitted. The higher the amount the insured is willing to pay, the less money you will pay for auto insurance.
Your occupation is a factor - Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and stock brokers have higher rates than the rest of us because of high stress and lengthy work days. Conversely, careers such as professors, students and the unemployed have the lowest average rates.
Liability insurance - A critical coverage on your policy, liability insurance kicks in if ever you are found liable for damages caused by your negligence. It provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
Where you reside plays a part - Residing in a small town can save you money when it comes to auto insurance. Drivers who live in large cities regularly have more aggressive driving styles and much longer commute distances. Fewer people corresponds to lower accident rates and lower theft and vandalism rates.
Vehicle features can affect premiums - Buying a car with a theft deterrent system can help lower your rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft.
Having a spouse can save you money - Your spouse may cut your premiums on your auto insurance policy. It demonstrates that you tend to be more responsible and insurance companies reward insureds because being married results in fewer claims.
With age comes lower rates - Older drivers are more responsible, tend to cause fewer accidents, and are generally more financially stable.Teen drivers have a tendency to be inattentive when driving with friends so they pay higher auto insurance rates.
Insurance loss probability for a Chrysler 200 - Insurance companies factor in insurance loss information in order to profitably underwrite each model. Models that are shown to have a trend towards higher claim severity or frequency will cost more for specific coverages.
The table below illustrates the compiled insurance loss statistics for Chrysler 200 vehicles. For each policy coverage, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Values below 100 suggest a better than average loss history, while percentages above 100 indicate more frequent claims or larger claims.
Car Insurance Loss Data for Chrysler 200 Models
|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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Affordable Houston car insurance rates with discounts
Car insurance is neither fun to buy or cheap, but there could be available discounts that you may not even be aware of. Some discounts apply automatically when you quote, but less common discounts must be specifically requested in order for you to get them. If you are not receiving all the discounts available, you are not getting the best rate possible.
- Driver Education Discount - Require your teen driver to successfully take a driver's education course if it's offered in school.
- E-sign Discounts - A few larger online companies provide a small discount for completing your application on the web.
- Renewal Discounts - Some companies give discounts for switching to them before your current coverage expires. You could save around 10% when you buy Houston car insurance online.
- Telematics Data Discounts - Drivers that enable their company to study driving patterns by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
- Bundled Policy Discount - If you combine your homeowners and auto policies with one company you could get a discount of up to 20% and get you cheaper 200 insurance.
- Own a Home - Owning a home in Houston may earn you a small savings since owning and maintaining a home requires personal responsibility.
It's important to understand that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, car insurance companies aren't that generous.
To find insurance companies who offer cheap Chrysler 200 insurance quotes in Houston in Houston, click here to view.
Local Houston insurance agencies
Certain consumers still prefer to talk to a local agent and that is OK! Good agents can answer important questions and give you someone to call. An additional benefit of comparing rates online is the fact that you can find the best rates and still have an agent to talk to. Buying from and supporting local insurance agents is important especially in Houston.
After completing this short form, your coverage information gets sent to companies in Houston that can give you free Houston car insurance quotes for your insurance coverage. You won't need to leave your computer as quotes are delivered to you directly. If you wish to quote rates from one company in particular, don't hesitate to jump over to their website and give them your coverage information.
Compare rates from both independent and exclusive car insurance agents
If you are searching for a good insurance agency, you need to know there are two different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Houston can be classified as either independent or exclusive. Either one can sell affordable car insurance policies, but it's important to know how they are different since it can impact the selection process.
Independent Car Insurance Agencies or Brokers
Independent agents are appointed with more than one company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If they find a cheaper price, they simply switch companies in-house and you don't have to find a new agent.
When comparing rates, it's recommended you compare prices from multiple independent agents to get the best comparison. Most can insure with small regional insurance companies which may have better rates.
The following are independent insurance agencies in Houston who may provide free car insurance rate quotes.
- Memorial Insurance Agency, LLC
13624 Memorial Dr - Houston, TX 77079 - (713) 461-8272 - View Map
- Oscar's Insurance Agency
5921 S Gessner Rd - Houston, TX 77036 - (713) 271-8889 - View Map
- Texas Insurance Agency
719 Shotwell St - Houston, TX 77026 - (713) 675-2626 - View Map
Exclusive insurance agents can usually just insure with one company such as American Family, State Farm, and AAA. They usually cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training on their company's products which helps them sell insurance even at higher premiums. A lot of people use the same exclusive agent partially due to the prominent brand name and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive agencies in Houston who can help you get price quotes.
- Lucrecia Jasminoy - State Farm Insurance Agent
223 Cavalcade St - Houston, TX 77009 - (713) 884-1442 - View Map
- State Farm: Al Johnson
8121 Broadway St #230 - Houston, TX 77061 - (281) 481-5778 - View Map
- Ben Speer - State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 - Houston, TX 77058 - (281) 204-8282 - View Map
Picking the best insurance agency should include more criteria than just the price. Below are some questions you should ask.
- How long have they been in business?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How much can you save by raising your physical damage deductibles?
- Do the companies they represent have a solid financial rating?
- Which companies do they recommend if they are an independent agency?
How much can you save?
Some insurance providers may not have online rate quotes and these smaller providers only sell coverage through independent insurance agencies. More affordable insurance in Houston can be found both online and from local agencies, so you need to compare both to have the best rate selection.
When you buy Houston car insurance online, don't be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost.
People change insurance companies for a variety of reasons including extreme rates for teen drivers, denial of a claim, policy cancellation or questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is not as hard as you think.
Additional detailed information can be found by following these links:
- Vehicle Size and Weight FAQ (iihs.org)
- Who Has Affordable Houston Car Insurance Rates for Drivers with Accidents? (FAQ)
- Who Has Affordable Car Insurance Rates for Police Officers in Houston? (FAQ)
- How Much are Auto Insurance Rates for Drivers with Bad Credit in Houston? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Civic in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance for Drivers with a Bad Driving Record? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Electronic Stability Control FAQ (iihs.org)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)