To save the most money, the best way to find cheaper quotes for Chrysler 300 insurance in Orlando is to annually compare prices from different companies who sell auto insurance in Florida.
- First, read about policy coverages and the steps you can take to keep rates down. Many things that cause rate increases like accidents, traffic tickets, and a negative credit rating can be amended by improving your driving habits or financial responsibility. Keep reading for ideas to keep prices down and find discounts that you may qualify for.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while agents who are independent can provide prices from many different companies. Select a company
- Third, compare the new rates to your existing coverage and see if there is a cheaper rate in Orlando. If you can save money, verify that coverage does not lapse between policies.
One piece of advice is to use similar coverage information on every quote request and and to analyze every company you can. This helps ensure a fair rate comparison and the best price quote selection.
Shockingly, a large majority of drivers have been with the same company for a minimum of four years, and virtually 40% of consumers have never shopped around. American insurance shoppers could save $860 a year by just comparing rate quotes, but they won’t spend time to compare rate quotes.
All the larger car insurance companies like State Farm, GEICO and Progressive allow you to get pricing directly from their websites. Getting Chrysler 300 insurance prices online is fairly straightforward because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. After you complete the form, the quote system automatically orders reports for credit and driving violations and generates a price. Being able to quote online for Chrysler 300 insurance in Orlando makes it a lot easier to compare rates and it is imperative to have as many quotes as possible in order to find the most affordable possible premiums on car insurance.
To save time and get comparison pricing now, take a look at the companies shown below. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. Using the same limits helps guarantee you will receive a price comparison based on the exact same insurance coverage.
The companies shown below can provide free quotes in Orlando, FL. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Three reasons car insurance is important
Despite the high cost, insuring your vehicle is required for several reasons.
- Most states have minimum liability requirements which means the state requires a minimum amount of liability in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, it’s most likely the lender will force you to carry insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Chrysler at a much higher premium rate and force you to pay for it.
- Car insurance protects your vehicle and your assets. Insurance will pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance definitely exceed the cost, particularly when you have a large claim. The average driver in America is overpaying over $865 each year so smart consumers compare quotes at every policy renewal to ensure rates are inline.
Chrysler 300 coverage statistics
The premium information displayed below showcases a range of insurance costs for Chrysler 300 models. Learning more about how insurance policy premiums are established can help customers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $356 | $736 | $504 | $30 | $152 | $1,778 | $148 |
| 300 Touring Plus 4-Dr Sedan | $356 | $736 | $504 | $30 | $152 | $1,778 | $148 |
| 300 Touring AWD 4-Dr | $356 | $736 | $504 | $30 | $152 | $1,778 | $148 |
| 300 S V6 4-Dr Sedan | $356 | $736 | $504 | $30 | $152 | $1,778 | $148 |
| 300 Touring Signature 4-Dr Sedan | $356 | $736 | $504 | $30 | $152 | $1,778 | $148 |
| 300 Touring Executive 4-Dr Sedan | $356 | $736 | $504 | $30 | $152 | $1,778 | $148 |
| 300 Touring Signature AWD 4-Dr | $398 | $848 | $504 | $30 | $152 | $1,932 | $161 |
| 300 Limited 4-Dr Sedan | $398 | $848 | $504 | $30 | $152 | $1,932 | $161 |
| 300 C 4-Dr Sedan | $398 | $848 | $504 | $30 | $152 | $1,932 | $161 |
| 300 S V8 4-Dr Sedan | $398 | $848 | $504 | $30 | $152 | $1,932 | $161 |
| 300 Limited AWD 4-Dr | $398 | $848 | $504 | $30 | $152 | $1,932 | $161 |
| 300 C AWD 4-Dr | $398 | $848 | $504 | $30 | $152 | $1,932 | $161 |
| 300 SRT-8 4-Dr Sedan | $398 | $848 | $504 | $30 | $152 | $1,932 | $161 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in your specific Orlando location which can decrease or increase coverage rates significantly.
Raise deductibles and save
When buying car insurance, a common question is the level to set your comp and collision deductibles. The tables below highlight the rate differences of buying low and high physical damage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| 300 Touring Plus 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| 300 Touring AWD 4-Dr | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| 300 S V6 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| 300 Touring Signature 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| 300 Touring Executive 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| 300 Touring Signature AWD 4-Dr | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| 300 Limited 4-Dr Sedan | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| 300 C 4-Dr Sedan | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| 300 S V8 4-Dr Sedan | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| 300 Limited AWD 4-Dr | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| 300 C AWD 4-Dr | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| 300 SRT-8 4-Dr Sedan | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| 300 Touring Plus 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| 300 Touring AWD 4-Dr | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| 300 S V6 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| 300 Touring Signature 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| 300 Touring Executive 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| 300 Touring Signature AWD 4-Dr | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| 300 Limited 4-Dr Sedan | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| 300 C 4-Dr Sedan | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| 300 S V8 4-Dr Sedan | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| 300 Limited AWD 4-Dr | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| 300 C AWD 4-Dr | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| 300 SRT-8 4-Dr Sedan | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in specific location information which can influence auto insurance rates noticeably.
Based on the data above, we can derive that using a $250 deductible costs about $36 more each month or $432 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claims, you would save money if you opt for a higher deductible.
Take advantage of these discounts
Insurance can be prohibitively expensive, but there may be some discounts to help bring down the price. Certain reductions will be credited when you quote, but lesser-known reductions have to be asked about before you will receive the discount.
- Sign Early and Save – Select insurance companies give a discount for switching companies before your current expiration date. The savings is around 10%.
- Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
- Safety Course Discount – Completing a course teaching defensive driving skills could earn you a small percentage discount and also improve your driving technique.
- Driving Data Discount – Insureds that choose to allow their insurance company to analyze driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
- Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase life insurance from them.
- Multiple Policy Discount – When you combine your homeowners and auto insurance with the same insurance company you may earn as much as 10 to 15 percent.
- Claim-Free Discount – Claim-free drivers pay less in comparison to drivers with a long claim history.
- Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
Remember that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.
The information below compares Chrysler 300 car insurance costs with and without discounts. The price estimates are based on a female driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-car, multi-policy, and safe-driver discounts applied.
To find insurance companies that offer many of these discounts in Florida, click this link.