Insurance Details for a Chrysler Sebring

The insurance cost of a Chrysler Sebring depends several things. Everything from the record of the driver, to the safety features of the car and its safety ratings are used by insurance companies to calculate the cost of premiums. Even different types of vehicles with the same name will not carry the same costs.

Insurance of a Chrysler Sebring convertible will be more than that of a Sebring standard because the convertible is thought to be less safe. When choosing a Chrysler, it is important to also consider the model, as it may affect the final insurance premium paid.

Cost of Insuring a Chrysler Sebring

The insurance cost of owning a 2009 Chrysler Sebring for five years, on the average, is between $31,000 and $32,000. This takes into account the depreciation of the Chrysler for the five years. The cost of insurance generally decreases as time passes. This is because an insurance company’s burden decreases if there is an accident, due to the depreciation of the vehicle.

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Insurance for the Chrysler Sebring will be the most in the first year, after which there will most probably be a large decrease in the cost of owning a Chrysler Sebring. This is because it depreciates roughly around $5,500 to $6,200 after the initial year. In the second year, it depreciates around $2,000, the third year $1,700 and so it continues. Needless to say, the decrease in insurance will also depend on the driving record of the individual. If there are many claims or an arrest for drunk driving, the rates may increase even more or the insurance may be cancelled altogether.

The insurance for a 2011 model will cost around $200 to $300 more since insuring new cars is usually more expensive. The depreciation of a Chrysler Sebring is $12,500 to $13,500 for the first five years; this is roughly $2,200 more than depreciation rates of other vehicles in the same class. Since the Sebring depreciates faster, especially in the first year, this makes it cheaper to own in terms of insurance costs as compared to other cars.

Safety Ratings and Chrysler Sebring

It is not general knowledge that even minor things like seat types used in a car can affect its rating. The manually reclining seats employed in every model of the Chrysler Sebring gets low ratings due to their high risk of breaking apart in case of an accident. Additionally, the two-door Sebring gets a lower safety rating than the four-door even when the two-door may have additional safety features. Even though the Sebring coverable has good safety ratings, it fails in its side impact ratings, simply because convertibles are not good at handling side impacts. Also, safety ratings are specific to different parts of the car’s body. For instance, the rating for the head/neck of the Chrysler Sebring is average, chest ratings are good, while right leg/foot are good and left leg/foot are only marginal.

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Safety Features of Chrysler Sebring and Insurance Costs

In addition to the standard things like the driving record or the driver’s age, the safety features of a vehicle play an important role in the cost of insuring the car. The Sebrings made from 2001 to 2006 had a rating of “good”, even though they had lower safety ratings for the front impact accidents compared to the vehicles made after 2006. The newer Chrysler Sebrings have numerous standard safety features which will help owners enjoy lower insurance rates. These features include:

  • Front and side air bags
  • Extra seat-mounted air bags
  • Side-curtain air bags
  • Specifically designed safety cage that aids in absorbing and redirecting energy away from passengers during a crash
  • Electronic Stability Control
  • Anti-theft devices on majority of the models
  • Anti-lock brakes

In general, the Chrysler Sebring is a very safe car to drive. The standard Chrysler Sebring is cheaper to insure than the convertible, because its safety ratings are higher than that of a convertible. When its safety features are combined with some of the discounts, one may be eligible to take advantage of significantly reduced insurance rates and enjoy driving a Chrysler Sebring.

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