The average cost in the US for insuring a Chrysler Sebring is about $1,300 annually for a standard, run of the mill, 2009 or 2010 Sebring. If you have a 2011 version, it is very likely that your rates will be at least a few hundred dollars more expensive because it costs more to insure a newer vehicle.
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In addition, your rates will vary depending on a lot of factors. That is why it is a good idea for you to get your own insurance quotes before you decide that the insurance costs are too high or low enough for you to afford.
Can you afford a Chrysler Sebring?
When you purchase a new car, it is important to figure in the annual cost of your insurance to see if you can afford the car that you are buying. This is called the cost of ownership. When you determine the cost of ownership, you have to figure in your insurance rates, financing, state property taxes, fuel costs, maintenance (oil changes), and repairs.
The five year average cost of ownership for a 2009 Chrysler Sebring is $32,200; this includes a 5 year depreciation rate of $13,000, which many people fail to add to their cost factors. This is about $2,200 over the cost of other vehicles in its class. It is important to understand everything that you will be required to pay out of pocket each year when you buy your Chrysler Sebring.
In terms of your average car insurance costs, you can expect to see a reduction in the cost of your insurance as time progresses. As your vehicle gets older, your insurance company will reduce your rates because their cost burden if you have an auto accident is reduced each year as your vehicle depreciates.
You might be interested to know that you might see a big dip in your insurance costs after your first year of ownership because the Chrysler Sebring depreciates $5,900 after the first year. In the second year the depreciation is $2,000, third year $1,700 and so on.
Of course, if you have a terrible driving record, have made several accident claims, have been arrested for drunk driving and so on, then your rates won’t decrease. In fact, you might see an increase in your insurance or you may be dropped from your insurance carrier altogether.
You also have to consider the different types of Chrysler Sebring’s as well. For example, a Chrysler Sebring convertible will be more expensive to insure than a standard Chrysler Sebring. The reason for this is that the safety ratings for the convertible are lower than those of a standard Chrysler and the safer the vehicle that you drive, the better the insurance company feels about you driving your vehicle.
How safe is the Chrysler Sebring?
Like many vehicles, the safety of your vehicle depends on what type of features you purchase. For the Chrysler Sebring, you will find that any Sebring made between 2001 and 2006 has a poorer safety rating for side impact for any vehicles without the optional side air bags. After 2006, side airbags became standard and the rating increased to good.
The Sebrings made from 2001 to 2006 also have a lower safety rating for front impact accidents than those vehicles made after 2006. However, the earlier modes still have a rating of acceptable rather than the highest ranking, which is “good.” Here are some other safety factors to consider:
- Seat type: What many people don’t know is that things even as minor as the type of seats you use in your vehicle can affect your safety rating. For example, did you know that manually reclining seats in every model of Chrysler Sebring receive a marginal safety rating because they are known to break apart in an auto accident?
- Number of doors: In addition, two door Sebrings get a much lower safety rating than four door Sebrings. This is true even if they have some of the additional safety features available in the four door models.
- Side impact ratings: While the Chrysler Sebring convertible has good safety ratings, it is the side impact ratings that fail. Simply put, Sebring convertibles don’t handle side impacts because of the convertible nature of the cars.
- Body parts: You will also find that safety ratings can be as specific as the different parts of your body. For example, the head/neck rating for the Chrysler Sebring is average, chest ratings are good, right leg/foot ratings are good and left leg/foot ratings are marginal.
The bottom line is that the Chrysler Sebring is a pretty safe vehicle to drive. As such, this will help in keeping your insurance rates at a more reasonable level. There are also some discounts that you may be able to take advantage of as well as getting a reduced rate by adding some anti-theft devices to your Sebring as well.
How can I save money on my Chrysler Sebring car insurance?
Saving money on your insurance is a great goal. Many people don’t take the time to shop around for their insurance, even though it is so easy to do these days. One of the easiest ways to accomplish this is with a free quote tool, but it doesn’t stop there.
When you use a free quote tool, you are seeing what the cost of insurance will be to you before you qualify for any discounts. Even though a quote tool can take a lot of the guesswork out of the process, the truth is that you still need to do a little research before you make your final decision.
For example, there are discounts offered by most car insurance companies, but some have more discounts than others do. You can find a list of the offered discounts on each insurance company’s website.
What’s the easiest way to find discounts on Chrysler Sebring car insurance rates?
To make the process easy, use our free quote tool. Once you know which insurance companies offer the lowest rates, you can visit those websites and view a list of their offered discounts. If you qualify for any or most of them, then you can get a discount on their already low rate.
In nearly every case, you will find that there is a discount provided if you have anti-theft devices on your vehicle. This can be as simple as a car alarm, but many companies offer deep discounts if you have a remote stop device. While this isn’t available standard on the Sebring, you can have it added on. This allows the police to remote stop your vehicle if it is stolen, which makes for an easy recover your car.
While you’re at it, you might want to go ahead and check their customer service ratings to see how they are about paying claims after an accident. Although we provide you with quotes from several companies, you still want to ensure that the company is the best one in your area for the services that you need.
The truth is that when it comes to car insurance you will have more options than you could possibly pursue on your own, at least in a timely manner. It is far easier for you to use a free quote tool like the one that we provide here to check out your local car insurance rates.
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