Save on 2013 Chrysler 300 Car Insurance Rates

Searching for the cheapest insurance for your Chrysler 300 can be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the quickest way to price shop coverage for a new or used Chrysler and find the lowest possible price.

It’s smart to shop coverage around before your policy renews since prices fluctuate regularly. Despite the fact that you may have had the best quotes for 300 coverage last year you may be paying too much now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to find the best coverage while lowering your premiums.

Verify you’re earning every discount

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that could drop your premiums quite a bit. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically prior to getting the savings.

  • Paperwork-free – A few insurance coverage companies provide a small discount for buying your policy on the internet.
  • Telematics Devices – Insureds who allow their insurance company to monitor driving manner through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
  • Accident Forgiveness Coverage – This one isn’t a discount, but certain companies allow you one accident before your rates go up if you have no claims before the accident.
  • Drivers Education – Require your teen driver to sucessfully take a drivers education course in high school.
  • Government Employees – Simply working for the federal government can save as much as 8% for 300 coverage with select insurance companies.
  • Braking Control Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Fewer Miles Equal More Savings – Driving less can qualify you for cheaper premium rates.
  • 55 and Retired – Drivers over the age of 55 are able to get better insurance coverage rates for 300 coverage.

We need to note that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to choose from a list of insurers who offer insurance coverage discounts, click here.

First Step: Get free car insurance quotes

Lowering your 2013 Chrysler 300 car insurance rates can be surprisingly simple. The only thing you need to do is invest a little time comparing price quotes from different insurance companies. It’s really simple and can be done in several different ways.

  1. If you are pressed for time, the simplest way to get quotes is a comparison rater form click to view form in new window. This quick form saves time by eliminating a different quote to each individual car insurance company. Just one form will get you rate comparisons direct from many companies. It’s the fastest way to compare.
  2. A more time consuming way to analyze rates requires visiting each company website to complete a price quote. For example, we’ll assume you want to compare prices for Allstate, State Farm and Farmers. You would have to spend time on each company’s site and type in your information over and over, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The most difficult way to get price estimates is to spend time driving to insurance agencies in your area. Comparing rate quotes online has reduced the need for local agents unless your situation requires the trained advice that you can only get from talking to an agent. Some companies do allow you to price shop online but have your policy serviced through an agent.

Compare rates however you want, just do your best to use apples-to-apples coverage data for every quote you compare. If you have mixed coverages you will not be able to make a fair comparison for your Chrysler 300.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my camper covered by my car insurance policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • What can I do if my company won’t pay a claim?
  • Do I need added coverage for expensive stereo equipment?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Chrysler 300.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverage

This coverage will pay to fix damage to your 300 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from getting keyed, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, prosthetic devices, EMT expenses and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage can cover damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits 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 $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like loss of income, funeral expenses, legal defense fees, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Do the work, save more money

Low-cost 2013 Chrysler 300 insurance is possible both online as well as from insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who don’t offer online quoting and many times these small, regional companies provide coverage only through local independent agencies.

People who switch companies do it for a variety of reasons including policy non-renewal, high rates after DUI convictions, questionable increases in premium or even poor customer service. It doesn’t matter what your reason, finding the right insurance provider is not as hard as you think.

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. There are too many instances where an accident victim reduced full coverage to discover at claim time that it was a big mistake. Your objective should be to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

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