2013 Chrysler 300 Car Insurance Cost – 5 Tips for Cheapest Prices

Are you confused by the dozens of insurance coverage options? You’re not alone. Consumers have so many options available that it can easily become a ton of work to find the lowest price.

This information will let you in on how to get online quotes. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Although consumers must learn how companies market on the web because it can help you find the best coverage.

How to save on Chrysler 300 insurance

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.

Keep in mind that most credits do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will help reduce the cost of coverage.

Companies that may have these benefits are:

Before buying, ask each company how you can save money. Discounts might not apply in your area.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you would benefit from an agent’s advice.

  • Is other people’s property covered if stolen from my vehicle?
  • What is the minimum liability in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Who is covered by my policy?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to buy liability insurance?
  • Do I need more liability coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Are you falling for claims of savings?

Car insurance providers like Allstate, Geico and Progressive regularly use ads on TV and radio. They all make the same claim that you can save if you move to their company. How do they all make the same claim?

Insurance companies have a preferred profile for the right customer they prefer to insure. A good example of a driver they prefer might be profiled as between 25 and 40, has no driving citations, and has a short commute. A driver who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to this ideal profile will have to pay more money which leads to the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently state the savings.

Because of the profiling, you absolutely need to get a wide range of price quotes. It’s impossible to know the company that will have the lowest Chrysler 300 insurance rates.

Car insurance coverages for a Chrysler 300

Learning about specific coverages of car insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverage

This coverage covers damage to your 300 resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, hitting a parking meter, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chrysler 300.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, prosthetic devices and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability coverage

This will cover damage or injury you incur to people or other property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, funeral expenses, repair bills for other people’s vehicles, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Be a smart shopper

When shopping online for insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at a price you can afford, not the least amount of coverage.

People who switch companies do it for a number of reasons such as policy non-renewal, high prices, not issuing a premium refund or even questionable increases in premium. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

Budget-conscious 2013 Chrysler 300 insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance coverage companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

More tips and info about insurance coverage is available at these sites: