2010 Chrysler 300 Insurance Quotes – 5 Policy Discounts

Shoppers have lots of choices when shopping for the best price on Chrysler 300 insurance. They can either waste time driving around getting price quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to compare rates for a new or used Chrysler and locate the best price possible.

It’s a good habit to price shop coverage as often as possible because insurance rates are variable and change quite frequently. If you had the lowest rate for 300 insurance a year ago other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online, but in a few minutes you can learn some tested techniques to put money back in your pocket.

Where can I get the cheapest insurance coverage?

There are a lot of ways you can shop for insurance coverage but one way is less time-consuming than others. You could waste a few hours driving to agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most major companies are enrolled in a marketplace where prospective buyers complete one form, and each company then returns a price quote for coverage. This system prevents you from having to do form submissions to every company.

To compare pricing click here (opens in new window).

The one disadvantage to using this type of form is that consumers can’t choose the insurers you will receive quotes from. So if you want to select individual companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you use equivalent information on every quote you get. If you are comparing different values for each quote you can’t possibly determine the lowest rate for your Chrysler 300.

Discounts can really help to save

Car insurance companies don’t always publicize all disounts in an easy-to-find place, so we researched a few of the more common and also the lesser-known discounts you could be receiving when you buy insurance online. If you’re not getting every credit you qualify for, you could be getting lower rates.

• Discount for Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts of 25 to 30%.
• College Student Discount – Children who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you may earn at least 10% off all policies.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.
• Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for car insurance.

Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount will positively reduce the cost of your policy.

The best car insurance companies and a partial list of their discounts can be read below.

• State Farm offers discounts including student away at school, defensive driving training, Steer Clear safe driver discount, good student, good driver, accident-free, and safe vehicle.
• Farmers Insurance discounts include distant student, good student, youthful driver, alternative fuel, electronic funds transfer, and multi-car.
• Geico policyholders can earn discounts including driver training, seat belt use, emergency military deployment, military active duty, and anti-lock brakes.
• American Family may have discounts that include air bags, Steer into Savings, good student, early bird, accident-free, multi-vehicle, and defensive driver.
• Nationwide offers premium reductions for accident-free, business or organization, good student, Farm Bureau membership, defensive driving, and family plan.
• Progressive may offer discounts for good student, multi-vehicle, continuous coverage, homeowner, online signing, and multi-policy.

When getting free insurance quotes, it’s a good idea to every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not apply in your area.

Will just any policy work for me?

When choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions might help in determining if you could use an agent’s help.

• How high should my medical payments coverage be?
• What if I total my 2010 Chrysler 300 and owe more than it’s worth?
• When can my company non-renew my policy?
• How can I find cheaper teen driver insurance?
• Are my tools covered if they get stolen from my vehicle?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I have any recourse if my insurance company denies a claim?
• Does coverage extend to Mexico or Canada?
• Am I covered if hit by an uninsured driver?
• Can my teen drive my company car?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision – This covers damage to your 300 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – Liability insurance can cover injuries or damage you cause to people or other property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as funeral expenses, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage, vandalism, damage from flooding and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like dental work, doctor visits, EMT expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Chrysler 300.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage on a shoestring budget

People switch companies for a variety of reasons including questionable increases in premium, not issuing a premium refund, lack of trust in their agent or even high rates after DUI convictions. It doesn’t matter why you want to switch switching companies can be less work than you think.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In many instances, drivers have reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Some companies don’t offer the ability to get a quote online and many times these smaller providers only sell coverage through local independent agencies. Cheap 2010 Chrysler 300 insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection.

Additional information can be found on the following sites:

• Auto Insurance 101 (About.com)
• Vehicle Size and Weight FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Information for Teen Drivers (Geico)
• Crash Avoidance Technologies FAQ (iihs.org)