How Much Does 2018 Chrysler 300 Insurance Cost?

Want the cheapest insurance coverage rates for your Chrysler 300? Comparison shopping for cheap insurance coverage can seem to be hard for drivers who are new to quoting coverage prices online. There are so many different companies and agents to choose from that it can easily become a burden to find the best coverage rates.

Compare free insurance coverage price quotes

All the larger insurance coverage companies such as State Farm and Allstate give prices for coverage from their websites. Doing online quotes is fairly straightforward as all you need to do is type in into a form. Behind the scenes, the quote system will order reports for credit and driving violations and gives you a price quote.

Online price quotes streamlines rate comparisons, but having to visit many different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you want to get lower prices.

A less time-consuming method to lower your rates utilizes a single form that analyzes rates from more than one company. This type of form saves time, reduces the work, and makes rate comparisons a little more enjoyable. Immediately after submitting the form, it is rated with multiple companies and you can pick any one of the pricing results.

If you find a better price you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and may result in a nice savings.

To find out if lower rates are available, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you type in the coverage information identical to your current policy. Doing this assures you are getting an apples-to-apples comparison using the same coverage and limits.

Don’t overlook these insurance coverage discounts

The price of auto insurance can be rather high, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but once in a while a discount must be manually applied before they will apply.

Homeowners Savings – Being a homeowner can help you save on insurance coverage since owning and maintaining a home requires personal responsibility.
Distant Student Discount – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Low Miles Discount – Driving less could earn discounted rates on garaged vehicles.
Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
Discount for Swiching Early – Some insurance coverage companies reward drivers for switching to them prior to your current policy expiring. You can save around 10% with this discount.

One last thing about discounts, most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

A list of insurance coverage companies and some of their more popular discounts can be found below.

State Farm includes discounts for defensive driving training, multiple autos, student away at school, Steer Clear safe driver discount, Drive Safe & Save, passive restraint, and multiple policy.
GEICO may offer discounts for air bags, defensive driver, anti-theft, federal employee, daytime running lights, good student, and military active duty.
Progressive offers discounts including good student, homeowner, online signing, online quote discount, multi-policy, and continuous coverage.
21st Century has savings for student driver, teen driver, theft prevention, early bird, and driver training.
American Family may include discounts for defensive driver, mySafetyValet, air bags, bundled insurance, good driver, multi-vehicle, and TimeAway discount.
The Hartford offers discounts for bundle, vehicle fuel type, defensive driver, air bag, and driver training.
AAA may have discounts that include pay-in-full, anti-theft, good driver, multi-car, and AAA membership discount.

When getting free insurance quotes, it’s a good idea to every company what discounts are available to you. Some discounts might not be offered in every state. To locate providers who offer insurance coverage discounts, follow this link.

Smart consumers can slash their insurance prices

It’s important that you understand a few of the rating criteria that help calculate your car insurance rates. If you know what determines base rates, this helps enable you to make changes that will entitle you to better car insurance rates.

The following are some of the factors used by insurance companies to determine your prices.

Never let your policy expire – Not having insurance is not a good idea and car insurance companies will penalize you for letting your coverage lapse. Not only will you pay higher rates, failure to provide proof of insurance might get you a license revocation or jail time.
Do you really need the extra policy coverages? – Policies have additional extra coverages that can waste your money on your 300 policy. Coverage for things like rental car coverage, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment at first, but if you’ve never needed them in the past eliminate them to save money.
Reduce car insurance rates by driving cars with good safety ratings – Cars with high safety ratings tend to be cheaper to insure. Vehicles built for safety reduce occupant injuries and lower injury rates means your insurance company pays less and cheaper rates on your policy. If your Chrysler has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Limits of liability insurance – The liability coverage on your policy is the coverage that protects you if ever a court rules you are at fault for personal injury or accident damage. Your liability coverage provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
Premiums are affected by your credit score – Having a good credit score can be an important factor in determining what you pay. If your credit history could use some work, you could be paying less to insure your 2018 Chrysler 300 by repairing your credit. People that have excellent credit scores tend to be more responsible than drivers who have lower ratings.
Cautious drivers pay better costs – Attentive drivers receive lower rates as compared to careless drivers. Even a single moving violation may increase your cost substantially. People who have multiple tickets such as DUI or willful reckless driving may find that they have to to complete a SR-22 with their state in order to prevent their license from being revoked.
Occupation reflects on rates – Jobs like real estate brokerspolice officers and accountants generally pay higher average rates attributed to stressful work requirements and long work days. Conversely, occupations such as farmers, historians and performers have the lowest average rates on 300 insurance.

When to get professional advice

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs may require specific advice.

How high should my uninsured/underinsured coverage be in my state?
Is business equipment covered while in my vehicle?
Why do I only qualify for high-risk insurance?
Am I covered when using my vehicle for business?
Do I need PIP coverage since I have good health insurance?
Are my friends covered when driving my 2018 Chrysler 300?
Do I need more liability coverage?
Does my 2018 Chrysler 300 qualify for pleasure use?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Learning about specific coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Chrysler 300.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Coverage for liability

This provides protection from damage that occurs to people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision coverage

This pays for damage to your 300 from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, falling objects, hitting a deer, theft and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, surgery, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

One last thing about your coverage

Drivers switch companies for a number of reasons such as poor customer service, delays in responding to claim requests, extreme rates for teen drivers or even denial of a claim. No matter why you want to switch, finding a new company can be pretty painless.

When trying to cut insurance costs, do not reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

Some insurance coverage companies may not provide online price quotes and most of the time these small, regional companies prefer to sell through independent insurance agents. Lower-priced insurance coverage can be found from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates.