Lower Your 2013 Chrysler 300 Car Insurance Rates

Did a good deal turn into overpriced insurance coverage? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

You have multiple car insurance companies to pick from, and even though it’s nice to have a choice, having more insurers makes it harder to find a good deal.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. But vehicle owners should learn how the larger insurance companies determine prices and apply this information to your search.

Shop insurance coverage online

To find the cheapest car insurance quotes, there are several ways of comparing rate quotes from different insurance companies. The easiest way to do a complete rate comparison consists of obtaining rate quotes online. This can be done in a couple minutes as outlined below.

  1. The simplest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This quick form eliminates the need for repetitive form submissions for each company you want a rate for. One simple form will get you price quotes from insurance coverage companies with the best prices.
  2. A more difficult way to analyze rates is to manually visit the website of each company and fill out their own quote form. For example, we’ll pretend you want to get rates from Allstate, Esurance and Farmers. You would have to visit each site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The hardest way to shop rates is driving to insurance agencies in your area. The ability to quote online can eliminate the need for a local agent unless you prefer the trained guidance that can only be provided by a licensed insurance agent. Drivers can comparison shop your insurance online and get advice from an agent in your area.

You can use whichever method you prefer to find lower rates, just make sure you compare equivalent coverage information for every quote you compare. If you have different values for each quote it will be impossible to make a fair comparison for your Chrysler 300. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when quoting insurance coverage, remember that making a lot of price comparisons helps improve the odds of finding more affordable insurance.

Lower rates by qualifying for discounts

Buying insurance coverage is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Certain reductions will be credited when you purchase, but some need to be manually applied in order for you to get them.

  • Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • First Accident Forgiveness – Not necessarily a discount, but some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Drive Less and Save – Low annual miles can earn cheaper prices.
  • Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Telematics Data Discounts – Insureds that choose to allow data collection to look at driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.
  • Discounts for Good Drivers – Drivers who avoid accidents can save up to 40% or more on their car insurance quote for 300 coverage than their less cautious counterparts.
  • Employee of Federal Government – Active or former government employment could cut as much as 10% off for 300 coverage with a few insurance coverage companies.
  • Mature Driver Discount – Drivers over the age of 55 may qualify for better insurance coverage rates for 300 coverage.

Remember that most credits do not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

The best insurance coverage companies and their possible discounts include:

  • American Family offers discounts including defensive driver, good driver, multi-vehicle, accident-free, and early bird.
  • Farm Bureau has savings for good student, driver training, multi-vehicle, renewal discount, safe driver, and multi-policy.
  • State Farm discounts include good student, multiple autos, defensive driving training, Drive Safe & Save, anti-theft, and safe vehicle.
  • Travelers offers discounts for good student, early quote, payment discounts, new car, student away at school, and hybrid/electric vehicle.
  • The Hartford includes discounts for driver training, bundle, anti-theft, air bag, vehicle fuel type, good student, and defensive driver.
  • Geico may include discounts for federal employee, emergency military deployment, air bags, multi-policy, daytime running lights, and anti-theft.
  • Progressive may have discounts that include homeowner, good student, multi-policy, multi-vehicle, online quote discount, continuous coverage, and online signing.

When quoting, ask each company or agent which discounts they offer. Some discounts may not be offered everywhere.

How insurance companies determine Chrysler 300 insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that may result in better insurance coverage rates.

  • Keep the miles off and save – The more you drive your Chrysler each year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Autos that do not get driven very much receive lower rates than vehicles that are driven to work every day. It’s a good idea to make sure your insurance coverage declarations sheet shows the proper vehicle usage. Having the wrong rating on your 300 may be wasting your money.
  • How much liability coverage do you need? – Your policy’s liability coverage kicks in if ever you are found liable for an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
  • With age comes responsibility – Inexperience drivers are statistically shown to be more careless in a vehicle so they pay higher insurance coverage rates. Adding a inexperienced driver onto a policy can be very expensive. Older drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.
  • Your address can push rates up or down – Choosing to live in less populated areas is a good thing when buying insurance coverage. Urban drivers have more road rage incidents and longer commutes to work. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates.

Car insurance is unique, just like you

When it comes to buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Can my babysitter drive my car?
  • How much liability do I need to cover my assets?
  • How high should deductibles be on a 2013 Chrysler 300?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Where can I find DUI or SR-22 insurance?
  • Does insurance cover tools stolen from my truck?
  • Is my camper covered by my car insurance policy?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

The ad said I’d save $393 a year!

Car insurance providers like Allstate, Geico and Progressive seem to constantly run ads on television and other media. All the ads make an identical promise that drivers can save some big amount if you change to them. It sounds good, but how can they all give you a lower rate? This is how they do it.

Most companies have specific criteria for a prospective insured that earns them the most money. One example of a preferred risk could be between the ages of 30 and 45, carries full coverage, and drives less than 5,000 miles a year. Anyone that meets those criteria receives the best premium rates as well as pay quite a bit less when switching companies.

People who are not a match for those criteria may receive higher rates and ends up with the customer not purchasing. The ads state “customers who switch” not “all people who quote” save that much. That’s the way insurance companies can state the savings. Because of these techniques, drivers should get a wide range of price quotes. It is impossible to predict with any certainty which company will have the lowest prices for your situation.

Auto insurance policy coverages for a Chrysler 300

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by auto insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like chiropractic care, nursing services, dental work, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage covers damage to your 300 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, sideswiping another vehicle, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chrysler 300.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, a broken windshield, hitting a deer, damage from a tornado or hurricane and theft. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

This coverage will cover damage that occurs to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like loss of income, repair bills for other people’s vehicles, emergency aid, medical services and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Affordable insurance is out there

You just learned some good ideas how to get a better price on 2013 Chrysler 300 insurance. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding the cheapest car insurance. Consumers may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive or Geico.

Cheaper 2013 Chrysler 300 insurance is attainable online and from local insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some companies may not have online rate quotes and usually these regional insurance providers provide coverage only through independent agents.

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