Car Insurance for a Chrysler Aspen
The average Chrysler Aspen rates for car insurance are $114/mo. Get cheap car insurance on a Chrysler Aspen by purchasing one with window etching and advanced safety features.
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UPDATED: Oct 1, 2021
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- The Chrysler Aspen is no longer being made, so if you’re in the market for one, you’ll be buying a used car
- The market value of a Chrysler Aspen depreciates significantly as time passes
- The average cost to insure a Chrysler Aspen is $1,400 per year
The Chrysler Aspen is a full-size, five-door SUV that sells new starting at just over $37,000. If you’re looking for a vehicle that’s fun to drive but also offers great protection, then consider getting a Chrysler Aspen. It has been around since 2002 and it still looks fresh today. This model was discontinued after 2014, though there were some special Aspen Limited editions available until 2016. If you want something unique, check out the Dodge Challenger SRT Hellcat or Jeep Grand Cherokee Trackhawk. Both have their advantages and disadvantages when compared to the Chrysler Aspen.
The average cost to insure a Chrysler Aspen is $1,400 per year. The cost of ownership over a five-year period is over $57,000, which is $7,000 more than other similar cars.
In addition to the traditional engine and standard features, you can also buy a hybrid version of the Chrysler Aspen. The hybrid version runs on electric as well as gas, so it has a fuel savings benefit.
Although the hybrid costs more to purchase, the cost of fuel makes it a long-term money saver.
It has a V8 engine and is automatically equipped with a DVD entertainment system, navigation, and satellite radio.
What are the features worth insuring on a Chrysler Aspen?
Although the Chrysler Aspen is no longer in production, you may still be able to buy a new one from a dealer or used from a third party.
No matter if your Chrysler Aspen is new or previously driven, it is a car you want to insure.
The MSRP on the base model of the Chrysler Aspen starts at $37,115 and can go as high as $45,270. For the hybrid model, you can expect to pay anywhere from $45,270 to $49,230.
The Chrysler Limited Sports Utility starts at only $34,730 but can go as high as $44,660 fully loaded.
The Chrysler Aspen is a luxury car that should be insured for collision and comprehensive as well as liability. It is a valuable asset that could leave you financially vulnerable should your car become totaled in an accident or stolen and not recovered.
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What is the total cost of owning a Chrysler Aspen?
Since cars depreciate quickly, you can estimate your Chrysler Aspen to drop in value by $10,000 in its first year. By the second year, it will depreciate more slowly, dropping another $4,000 and then slowing down from there.
By the fifth year, your car will have depreciated more than $25,000.
Compare multiple quotes from top-rated companies in minutes. You can also get free estimates from licensed agents who will answer all of your questions about how much it would cost to insure your vehicle.
The average cost of insurance for a Chrysler Aspen is $1,400 a year. Over the course of five years, you can expect to pay $7,000 in insurance.
Fuel costs for the Chrysler Aspen will vary based on the current economy, but the car ranges in fuel economy from 13 to 20 miles per gallon. Expect to have paid $15,000 on fuel by the time your car is entering its sixth year.
Maintenance and repairs are nominal, especially if you buy your car brand new and get an extended warranty. Perhaps you will spend $2,500 during the first five years you own your Chrysler Aspen.
Financing is another expense that you may have.
Depending on your credit rating and what kind of a loan you can secure, interest can cost you anywhere from $5,000 to $25,000 by the time the car is paid off. The bigger deposit you make, the less you have to finance and the more you can save.
When should I stop insuring my Chrysler Aspen?
Unless your car has depreciated so much as to have less than street value appeal, then you need to keep your insurance on your Chrysler Aspen. Even when your Chrysler Aspen is five years old and has depreciated significantly, it may still be worth insuring.
A 2008 Chrysler Aspen in excellent condition has a Kelly Blue Book value of $24,500 in the year 2010.
This approximation provides you a baseline of what you can expect to pay to buy the car from a dealer or third party. At that price, the car should be insured for collision and comprehensive so that you are not out of pocket if your car becomes a total loss.
The only time to consider cutting back your comprehensive and collision insurance is when your car depreciates so much that its street value is not worth the insurance you are paying.
How do I find affordable auto insurance?
There are many ways to compare car insurance prices online today. Some websites offer comparison tools where you enter basic information such as gender, age, location, marital status, type of coverage, etc., and receive several different quotes instantly. Others allow you to fill out a form with detailed personal data, which allows them to provide you with personalized pricing options tailored specifically to your needs.
As your car decreases in value, you may decide to reduce the value of the policy limits on it.
You can never stop paying for liability insurance on your Chrysler Aspen because it is a state requirement.
If you have more coverage than the state requires, that is usually advantageous and should not be reduced. In fact, it is recommended to increase liability coverage whenever possible to minimize your costs after insurance pays out the benefits.
If you are trying to save money on your Chrysler Aspen, you can always try to raise your deductibles.
Also, make sure you are taking advantage of all of the discounts offered by your car insurance company. Another way to reduce the premiums on your Chrysler Aspen is to compare quotes.