Compare 2011 Chrysler 300 Insurance Quotes

Tired of wondering where the money will come from each month for insurance? Your situation is no different than millions of other drivers.

Drivers have so many car insurance companies to buy insurance from, and even though it’s nice to have a choice, lots of choices makes it harder to find the best rates for your vehicles.

Compare insurance rate quotes

The are a couple different ways to get quotes from different companies. By far the easiest way to find the cheapest 2011 Chrysler 300 insurance rates is to get quotes online. This can be done using a couple different methods.

  • The most efficient way to find low rates is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating separate forms for every company. One form gets you coverage quotes from insurance companies with the best prices.
  • A less efficient way to obtain and compare quotes online consists of visiting the website of each company to request a price quote. For example, we’ll pretend you are doing a rate comparison from State Farm, Allstate and Progressive. You would be required to go to each individual site to enter your coverage information, which can get rather old.

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

  • Even if you have time, the least recommended method to compare price estimates is driving around to local insurance agencies. Buying insurance online eliminates this option unless you require the professional abilities only provided by licensed agents. Some companies do allow you to get the lowest quotes online but still have the advice of a local agent.

Whichever method you choose, do your best to use equivalent coverage information for every quote you compare. If you use different data you can’t possibly make a fair rate comparison. Even a minor difference in coverages could skew the results. And when comparing insurance rates, know that comparing more quotes helps improve the odds of finding a better price.

More affordable rates by taking advantage of discounts

Auto insurance companies don’t necessarily list every discount they offer very well, so the following list contains both the well known and the more hidden credits that may apply to you.

  • Full Payment Discount – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.
  • Discounts for New Vehicles – Adding a new car to your policy may earn a small discount because newer models are generally safer.
  • Good Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on 300 coverage than less cautious drivers.
  • Low Mileage – Low annual miles can earn better premium rates on cars that stay parked.
  • Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote as compared to accident-prone drivers.
  • Government Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on 300 coverage with a few auto insurance companies.
  • Telematics Data – Insureds who allow their auto insurance company to spy on their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
  • Distant Student Discount – Children living away from home attending college and won’t have access to an insured vehicle may be able to be covered for less.

As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Larger auto insurance companies and a partial list of their discounts include:

  • Farm Bureau has discounts for multi-policy, youthful driver, 55 and retired, driver training, renewal discount, and safe driver.
  • State Farm discounts include safe vehicle, defensive driving training, Steer Clear safe driver discount, driver’s education, Drive Safe & Save, student away at school, and accident-free.
  • Progressive offers discounts for online signing, multi-vehicle, online quote discount, homeowner, and good student.
  • Allstate may have discounts that include teenSMART discount, economy car, good student, multi-policy, and auto/life discount.
  • Nationwide has savings for business or organization, family plan, accident-free, Farm Bureau membership, multi-policy, good student, and defensive driving.
  • MetLife may include discounts for claim-free, good driver, accident-free, multi-policy, and defensive driver.

When getting free auto insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. A few discounts might not apply in your area. To see auto insurance companies that offer some of these discounts, click here to view.

How much insurance do I need?

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • If my 2011 Chrysler 300 is totaled, can I afford another vehicle?
  • Do I have coverage if my license is suspended?
  • Are rock chip repairs covered?
  • When can I cancel my policy?
  • I don’t drive much so do I pay less?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is PIP insurance?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage information

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance – This can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like pain and suffering, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, falling objects, hitting a bird, hitting a deer and damage from flooding. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like dental work, prosthetic devices, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2011 Chrysler 300.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.