How to Slash Your Plymouth Colt 200 Auto Insurance Rates

How to Slash Your Plymouth Colt 200 Auto Insurance Rates

Searching for low-cost insurance for a Plymouth Colt 200 can normally be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the quickest way to compare rates on a Plymouth and obtain the best price possible.

These discounts can slash auto insurance rates

Companies offering auto insurance don’t always list all their discounts in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find auto insurance savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Colt 200 coverage than drivers with accident claims.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Colt 200 coverage with a few auto insurance companies.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Low Mileage – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Own a Home – Owning a house may earn you a small savings because maintaining a house demonstrates responsibility.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurance companies offering auto insurance discounts, click here to view.

Plymouth Colt 200 rates influenced by many factors

Consumers need to have an understanding of the factors that play a part in calculating your auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Performance level impacts rates – The make and model of the car you own makes a significant difference in how high your rates are. The cheapest insurance rates tend to be for small economy passenger models, but the cost you end up paying is determined by many additional factors. Since the Plymouth Colt 200 is considered a coupe, insuring your vehicle will cost similar in price when compared to the average rates.
  • Keep rates low by being claim-free – Auto insurance companies provide discounts to policyholders who file claims infrequently. If you file claims often, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Plymouth Colt 200 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Credit scores impact auto insurance rates – Your credit rating is a important factor in determining what you pay for auto insurance. People with good credit tend to be more responsible as compared to drivers with lower ratings. If your credit rating can use some improvement, you could save money insuring your Plymouth Colt 200 by improving your credit score.
  • Older drivers save more – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers have a tendency to be more careless in a vehicle therefore auto insurance rates are much higher.
  • Please use or commuting – The more miles you rack up on your Plymouth in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate based on how the vehicle is used. Cars left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Colt 200 may be wasting your money. Make sure your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Bad driving skills means higher rates – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even a single citation can boost insurance rates by as much as thirty percent. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.

But buying car insurance online seems impersonal

Some people would prefer to buy from a local agent and that is just fine! Good agents can point out coverage gaps and help you file claims. The best thing about getting online price quotes is you may find the lowest rates but also keep your business local.<img class="alignright" style="padding-top:15px;" src="" alt=" insurance quotes“/>

After filling out this short form, your coverage information is sent to companies who will return price quotes for your business. There is no need to leave your house since price quotes are sent straight to your inbox. Now that’s easy!

Picking an insurance company needs to be determined by more than just the premium amount. Agents should be asked these questions:

  • Are you getting all the discounts the company offers?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Who is covered by the car insurance policy?
  • Can glass repairs be made at your home?
  • Which company do they place the most coverage with?

Choose an insurance agent wisely

When looking for a local agent, there are a couple of types of agencies that differ in how they can insure your vehicles. agents are either captive or independent. While both can write coverage properly, but it’s worth learning how they differ since it can impact your agent selection.

Captive Agents

These agents work for only one company and some examples include Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so keep that in mind. Captives are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents primarily because of high brand loyalty and solid financial strength.

Independent Agents (or Brokers)

Independent agents are not locked into one company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. When comparing rates, it’s a good idea to get quotes from at least one independent agent to have the most options to choose from. Many write coverage with smaller regional carriers which can be an advantage.

To view a full list of insurance agents, visit this page.

After receiving acceptable answers to these questions and locked in a price quote, it’s possible that you found an insurance agency that is a good match to provide auto insurance coverage.

cheap insurance for Colt 200

Summing up your auto insurance search

Affordable Plymouth Colt 200 insurance is attainable both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

In this article, we covered a lot of tips how to reduce Plymouth Colt 200 insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.