Save on 2015 Chrysler 300 Insurance Quotes

Trying to find the cheapest insurance for a Chrysler 300 could be a lot of work, but you can use these tips and make it easy. There is a better way to compare insurance coverage rates and you need to know the absolute fastest way to price shop coverage for a Chrysler and get the best price possible from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates and still get good coverage. Shopping for the lowest cost protection is easy if you know what you’re doing. Drivers just need to learn the tricks to find the lowest price on the web.

Six factors that impact insurance rates

An important part of buying insurance is that you know the different types of things that help determine insurance rates. If you know what determines base rates, this enables you to make decisions that can help you get better insurance rates. Lots of things are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are less obvious like where you live or how financially stable you are.

• Drive lots and pay more – The more miles you rack up on your Chrysler every year the more you will pay for insurance. Most companies rate vehicles determined by how the vehicle is used. Cars that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated 300 can cost quite a bit. Verify your declarations sheet properly reflects the right rating data.
• Small frequent claims are not good – Auto insurance companies award the lowest premiums to drivers that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended for claims that pose a financial burden.
• Liability insurance is cheap – Your insurance policy’s liability coverage kicks in if ever you are responsible for damages caused by your negligence. It will provide legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
• Your address can influence price – Being located in areas with lower population is a good thing when buying insurance. Less people means a lower chance of having an accident and also fewer theft and vandalism claims. People who live in big cities tend to have congested traffic and longer commutes to work. More time commuting statistically corresponds to a higher accident and claim rate.
• Safer cars means cheaper insurance – Vehicles with high crash test scores get lower rates. Safer cars reduce injuries and lower rates of occupant injuries means less claims paid passed on to you as lower rates.
• Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are in fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. They also get higher numbers of serious violations like DWI (DUI) or reckless driving.

Find hidden discounts on auto insurance

Auto insurance is easily one of your largest bills, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but a few need to be asked about before you get the savings.

• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Driver Education Discount – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
• Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with the same company you may save 10% to 20% off each policy.
• Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more on 300 insurance than their less cautious counterparts.
• No Claim Discounts – Drivers who stay claim-free can save substantially as compared to insureds who have frequent claims or accidents.
• Include Life Insurance and Save – Larger auto insurance companies have a discounted auto insurance rate on car insurance if you buy life insurance.
• Driving Data Discount – Insureds who allow driving data submission to analyze where and when they drive by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Companies and their offered discounts include:

• Geico may include discounts for multi-vehicle, emergency military deployment, daytime running lights, five-year accident-free, federal employee, and defensive driver.
• Travelers offers discounts including driver training, student away at school, good student, save driver, home ownership, and IntelliDrive.
• Nationwide has discounts for Farm Bureau membership, defensive driving, family plan, accident-free, and anti-theft.
• Farmers Insurance may have discounts that include good student, teen driver, multi-car, mature driver, youthful driver, business and professional, and alternative fuel.
• Esurance may offer discounts for emergency road assistance, claim free, online shopper, Pac-12 alumni, and multi-policy.
• State Farm offers premium reductions for safe vehicle, anti-theft, good student, accident-free, and defensive driving training.
• Progressive discounts include online signing, multi-vehicle, homeowner, multi-policy, good student, and online quote discount.
• Mercury Insurance policyholders can earn discounts including type of vehicle, accident-free, good student, good driver, age of vehicle, and location of vehicle.

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply to policies in your area. If you would like to see a list of insurers who offer auto insurance discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions could help you determine if your situation could use an agent’s help.

• What if I total my 2015 Chrysler 300 and owe more than it’s worth?
• Why do I only qualify for high-risk insurance?
• Why do I need rental car insurance?
• Is my teen driver covered when they drive my company car?
• Will my insurance pay for OEM parts?
• Can I still get insurance after a DUI?
• How do I insure my teen driver?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision – This coverage covers damage to your 300 resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2015 Chrysler 300.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, vandalism and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for expenses such as nursing services, ambulance fees, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

In the end, you save

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. Too many times, consumers will sacrifice physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage at the lowest possible cost, not the least amount of coverage.

People change insurance companies for any number of reasons including delays in responding to claim requests, questionable increases in premium, high prices and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

Some insurance companies do not provide the ability to get a quote online and usually these small insurance companies prefer to sell through independent agencies. Lower-priced auto insurance is definitely available both online as well as from independent agents, so you need to compare both in order to have the best chance of saving money.

More information is located at the links below

• Older Drivers FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Collision Coverage (Liberty Mutual)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)