It takes a little time, but the best way to get low-cost Chrysler 200 insurance in Cleveland is to start comparing prices regularly from different companies who provide auto insurance in Ohio.
First, spend some time learning about the different coverages in a policy and the factors you can control to prevent expensive coverage. Many risk factors that increase rates like accidents, traffic tickets, and poor credit can be amended by making lifestyle changes or driving safer.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide prices for many different companies.
Third, compare the price quotes to your existing coverage and determine if cheaper 200 coverage is available in Cleveland. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide proper notification to your current company to cancel your current auto insurance policy and submit payment along with a signed and completed policy application for the new policy. Once received, put the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.
The key thing to remember is to use similar deductibles and liability limits on every quote request and and to compare every company you can. This provides a fair rate comparison and plenty of rates choose from.
It’s easy to assume that auto insurance companies want to keep you from shopping around. Insureds who compare other rates are highly likely to buy a new policy because there is a great chance of finding lower prices. Remarkably, a study showed that drivers who compared rate quotes regularly saved an average of $860 a year compared to other drivers who never compared prices.
If finding the cheapest rates on Chrysler 200 insurance in Cleveland is your objective, then learning about how to find and compare insurance coverage can save money and time.
Choosing the most cost-effective auto insurance policy in Cleveland is quite easy. If you have insurance now, you will surely be able to find the best rates using the ideas you’re about to read. Vehicle owners just have to use the tricks to compare insurance rates over the internet.
The quickest method to compare car insurance company rates for Chrysler 200 insurance in Cleveland is to know the fact most of the larger companies allow for online access to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details such as how you use your vehicles, distance driven, types of safety features, and marital status. Your insurance information gets sent immediately to insurance companies and they return quotes quickly.
To check Chrysler 200 insurance prices now, click here and find out if you can get cheaper insurance in Cleveland.
The providers in the list below provide free quotes in Ohio. To locate the cheapest car insurance in Cleveland, OH, we recommend you get rates from several of them to get the best price comparison.
Affordable rates by taking advantage of discounts
Some insurance providers don’t always publicize every discount available very well, so we took the time to find some of the best known as well as some of the hidden credits available to bring down your rates.
- Active Service Discounts – Being deployed in the military could mean lower premium rates.
- Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Auto/Life Discount – Some companies give a discounted price on car insurance if you buy some life insurance too.
- Senior Citizens – If you qualify as a senior citizen, you may receive lower premium rates.
- Distant Student Discount – Youth drivers who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
- Anti-lock Brakes – Vehicles with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
- Theft Prevention System – Cars equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more on 200 insurance in Cleveland.
You should keep in mind that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.
A list of car insurance companies and their possible discounts are:
- Farm Bureau discounts include driver training, renewal discount, multi-vehicle, 55 and retired, youthful driver, good student, and multi-policy.
- Liberty Mutual offers discounts for multi-policy, newly retired, hybrid vehicle, new graduate, teen driver discount, multi-car, and preferred payment discount.
- State Farm includes discounts for good driver, safe vehicle, accident-free, multiple autos, and multiple policy.
- Auto-Owners Insurance may have discounts that include company car, mature driver, anti-lock brakes, multiple vehicles, teen driver, paperless, and anti-theft.
- GEICO offers discounts including federal employee, defensive driver, seat belt use, multi-policy, driver training, and military active duty.
- SAFECO has savings for homeowner, anti-theft, bundle discounts, accident prevention training, anti-lock brakes, and drive less.
Before you buy a policy, ask all companies you are considering to apply every possible discount. All car insurance discounts may not apply to policyholders in Cleveland. If you would like to see a list of companies that offer discounts in Cleveland, follow this link.
Cut Insurance Costs with These Tips
Many things are part of the equation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are not quite as obvious such as your marital status or your commute time.
- Only buy extra coverages you need – There are quite a few extra bells and whistles that you can buy if you aren’t diligent. Coverages for roadside assistance, towing coverage, and membership fees may not be needed and are just wasting money. The coverages may be enticing initially, but your needs may have changed so consider taking them off your policy.
- Save by driving vehicles with better crash test results – Vehicles with high crash test scores tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and cheaper rates on your policy. If your Chrysler is rated at a minimum four stars on Safercar.gov you may pay a lower rate.
- Theft deterrents systems cut car insurance rates – Purchasing a vehicle with advanced anti-theft systems can help bring down rates. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft.
- How much liability insurance do you need? – The liability coverage on your policy provides coverage if ever you are ruled to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
- Your job and car insurance rates – Careers such as military generals, executives, and miners tend to have higher average rates attributed to intense work situations and lots of time spent away from family. Other careers such as scientists, students and performers get better rates.
- Use one insurance company and save – Lots of companies apply a discount for people that purchase more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, you may still want to comparison shop to ensure the best deal. You may still save more without the discount even if you insure with multiple companies
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Insurance losses for a Chrysler 200 – Insurers include the past claim trends for vehicles when they file their rates in each state. Vehicles that historically have increased claim numbers or amounts will be charged more to insure. The data below shows the compiled insurance loss statistics for Chrysler 200 vehicles.
For each policy coverage, the claim amount for all vehicles combined as an average is equal to 100. Numbers under 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
Chrysler 200 Insurance Loss Statistics Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Are auto insurance agents a thing of the past?
Some people still prefer to go talk to an agent and that is recommended in a lot of cases Insurance agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing insurance online is that drivers can save money and get the best rates and still buy from a local agent.
By using this simple form, your insurance coverage information is instantly submitted to local insurance agents in Cleveland who can give free rate quotes to get your business. It’s much easier because you don’t need to search for an agent because quoted prices will be sent to the email address you provide. If you want to compare rates from a specific insurance provider, you just need to search and find their rate quote page and submit a quote form there.
Finding the right insurance company needs to be determined by more than just a low price. Any agent in Cleveland should have no problem answering these questions:
- Is working in the agency their full-time job?
- Do they have 24-hour customer assistance?
- Are aftermarket or OEM parts used to repair vehicles?
- How long has their agency been open in Cleveland?
- Do they feel the quoted coverages are adequate?
- Do they get extra compensation for selling add-on coverages?
- What insurance companies do they recommend if they are an independent agent?
- Can glass claims be handled at your home?
If you want to buy insurance from a local agent, it can be helpful to understand the different agency structures and how they can quote your rates. Insurance agents in Cleveland may be either independent agents or exclusive agents. Either one can properly insure your vehicles, but it’s worth learning the difference in the companies they write for since it may influence your agent selection.
Exclusive Insurance Agencies
Agents of this type write business for a single company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to compare rates from other companies so they have to upsell other benefits. They are usually well trained in insurance sales which helps overcome the inability to quote other rates.
Below is a list of exclusive agencies in Cleveland who may provide you with price quotes.
Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 – View Map
Garrett C Estes – State Farm Insurance Agent
4219 W 210th St – Fairview Park, OH 44126 – (440) 331-3111 – View Map
State Farm: Betsy Warner
2491 Lee Blvd – Cleveland Heights, OH 44118 – (216) 932-6900 – View Map
Independent Insurance Agents
Independent agents can sell policies from many different companies so they can write business with a variety of different insurance companies and get the cheapest rates. If you want to switch companies, your agent can just switch to a different company and you don’t have to find a new agent. If you are comparing rate quotes, we recommend you include price quotes from a few independent agents in order to have the best price comparison.
The following are Cleveland independent insurance agencies that are able to give comparison quotes.
Abc Auto Insurance Agency Inc.
1970 E 55th St – Cleveland, OH 44103 – (216) 881-2600 – View Map
Tower Insurance
15887 Snow Rd – Brook Park, OH 44142 – (216) 267-4466 – View Map
United Agencies
1422 Euclid Ave # 900 – Cleveland, OH 44115 – (216) 696-8044 – View Map
Which auto insurance company is best in Ohio?
Insuring your vehicle with the top car insurance company can be difficult considering how many different insurance companies sell coverage in Cleveland. The company ratings in the next section may help you select which insurers you want to consider shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Auto insurance savings summarized
We just covered a lot of tips how to compare Chrysler 200 insurance car insurance rates in Cleveland. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper Cleveland auto insurance quotes. Consumers may even find the lowest car insurance rates are with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.
When you buy Cleveland auto insurance online, do not buy poor coverage just to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the best cost and still be able to protect your assets.
Cheaper Chrysler 200 insurance in Cleveland is attainable on the web as well as from independent agents in Cleveland, so you need to quote Cleveland auto insurance with both to have the best selection. Some companies don’t offer online quoting and usually these small, regional companies prefer to sell through local independent agencies.
Other learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has the Cheapest Cleveland Car Insurance Quotes for a Subaru Outback? (FAQ)
- How Much are Cleveland Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- How Much is Auto Insurance for Good Students in Cleveland? (FAQ)
- How Much is Cleveland Auto Insurance for a Honda Pilot? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Toyota RAV4 in Cleveland? (FAQ)
- How Much are Cleveland Auto Insurance Rates for a Learners Permit? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Teen Driving Statistics (iihs.org)
- Five Mistakes to Avoid (Insurance Information Institute)