Chrysler 300 insurance cost image courtesy of QuoteInspector.com
Want to know an easy way to compare cheaper Chrysler 300 insurance in Austin? No sane person looks forward to buying insurance, especially knowing they could get a better deal.
Unbelievable but true, the vast majority of insurance customers have bought insurance from the same company for four years or more, and approximately 38% of consumers have never taken the time to shop around. Most drivers in Austin could save up to $1,766 a year just by comparing rates, but most undervalue the rate savings if they swap their current policy for a cheaper one.
Due to the increasing number of companies to choose from that have affordable insurance for a Chrysler 300 in Austin, it can be impossible to locate the most cost effective company.
It's smart to price shop coverage quite often due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest premium rates on Chrysler 300 insurance in Austin six months ago there may be better deals available now. There is too much inaccurate information about 300 insurance on the internet, but you can learn some solid techniques on how to lower your insurance premiums.
Buying the cheapest auto insurance in Austin can be much easier if you know how to start. If you have coverage now, you will surely be able to reduce the price you pay using the techniques presented in this article. Although Texas consumers do need to understand the way companies charge you for coverage and use it to your advantage.
When comparison shopping, there are several ways to compare rate quotes from different companies. The best method to find cheaper Chrysler 300 rates consists of shopping online.
Doing online rate quotes comparisons is so easy that it takes the place of having to drive around to local Austin insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional abilities of a local Austin agent. Drivers can comparison shop online and still use a local agent. Just keep in mind that making a lot of price comparisons increases your odds of finding the best price.
The providers in the list below offer free quotes in Texas. If the list has multiple companies, we suggest you visit several of them to find the lowest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $308 | $472 | $500 | $30 | $150 | $1,460 | $122 |
| 300 Touring Plus 4-Dr Sedan | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| 300 Touring AWD 4-Dr | $308 | $472 | $500 | $30 | $150 | $1,460 | $122 |
| 300 S V6 4-Dr Sedan | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| 300 Touring Signature 4-Dr Sedan | $200 | $360 | $388 | $24 | $116 | $1,088 | $91 |
| 300 Touring Executive 4-Dr Sedan | $198 | $416 | $496 | $30 | $148 | $1,288 | $107 |
| 300 Touring Signature AWD 4-Dr | $318 | $666 | $358 | $22 | $108 | $1,472 | $123 |
| 300 Limited 4-Dr Sedan | $334 | $668 | $514 | $30 | $154 | $1,700 | $142 |
| 300 C 4-Dr Sedan | $254 | $520 | $514 | $30 | $154 | $1,472 | $123 |
| 300 S V8 4-Dr Sedan | $220 | $478 | $496 | $30 | $148 | $1,372 | $114 |
| 300 Limited AWD 4-Dr | $344 | $542 | $500 | $30 | $150 | $1,566 | $131 |
| 300 C AWD 4-Dr | $288 | $614 | $496 | $30 | $148 | $1,576 | $131 |
| 300 SRT-8 4-Dr Sedan | $318 | $660 | $430 | $26 | $128 | $1,562 | $130 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in zip code location which can lower or raise premiums greatly.
Auto insurance deductibles
When comparing auto insurance rates, the most common question is how low should you set your deductibles. The rates below determine the premium difference when you buy lower versus higher insurance deductibles. The first rate table uses a $100 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 300 Touring Plus 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 300 Touring AWD 4-Dr | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 300 S V6 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 300 Touring Signature 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 300 Touring Executive 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 300 Touring Signature AWD 4-Dr | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| 300 Limited 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| 300 C 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| 300 S V8 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| 300 Limited AWD 4-Dr | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| 300 C AWD 4-Dr | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| 300 SRT-8 4-Dr Sedan | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 300 Touring Plus 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 300 Touring AWD 4-Dr | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 300 S V6 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 300 Touring Signature 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 300 Touring Executive 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 300 Touring Signature AWD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| 300 Limited 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| 300 C 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| 300 S V8 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| 300 Limited AWD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| 300 C AWD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| 300 SRT-8 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can decrease or increase coverage rates considerably.
Based on the figures above, using a $100 deductible costs an average of $32 more each month or $384 each year than opting for the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 13 months between claims, you would more than likely save some money if you elect the higher deductible.
Choosing the best vehicle insurance in Texas is an important decision
Even though it's not necessarily cheap to insure a Chrysler in Austin, maintaining insurance is a good idea for several reasons.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your 300, most lenders will make it mandatory that you buy insurance to guarantee payment of the loan. If you default on your policy, the bank may buy a policy for your Chrysler at a much higher rate and require you to fork over the higher premium.
- Insurance protects both your vehicle and your assets. It will also provide coverage for most medical and hospital costs incurred in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance outweigh the cost, particularly if you ever have a claim. Today the average American driver overpays more than $865 each year so you should quote rates at every renewal to help ensure money is not being wasted.
Smaller companies may have the best rates
21st Century, Allstate and State Farm consistently run television, radio, and online ads. They all make the same claim about savings if you get a free Austin auto insurance quote and switch your policy. How does every insurance company claim to save you money?
Insurance companies give the cheapest rates for the right customer that earns them a profit. One example of a profitable customer could possibly be married and over the age of 30, owns their home, and chooses high deductibles. Someone who matches that profile will probably get cheap premium rates and will pay quite a bit less when switching companies.
Insureds who do not meet this ideal profile will see higher prices which results in the customer buying from a different company. If you pay close attention to the ads, they say "people that switch" but not "everyone who gets a quote" save that much. This is how companies can truthfully make those statements. Because of this risk profiling, it is so important to get as many free Austin auto insurance quotes as possible. It's just too difficult to predict which insurance company will have the lowest rate quotes.
Lower rates by qualifying for discounts
Insuring your vehicles can cost a lot, but you may qualify for discounts to help offset the cost. Many discounts should be triggered when you purchase, but a few need to be specially asked for before you get the savings.
- Auto/Home Discount - When you combine your homeowners and auto insurance and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find low cost Chrysler 300 insurance.
- New Vehicle Savings - Buying a new car instead of a used 300 can save you some money because new vehicles have to meet stringent safety requirements.
- Braking Control Discount - Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Student Discount for Driver Training - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
- Telematics Data - Austin drivers who agree to allow their insurance company to monitor driving patterns through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system could possibly reduce rates as long as they are good drivers.
- Paper-free Discount - Many larger companies may give you up to $50 shop Austin auto insurance on the internet.
You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, nobody gets a free ride.
To choose companies who offer insurance discounts in Texas, click here to view.
Car insurance agents can help
A small number of people still prefer to buy from a local agent and that can be a great decision The best thing about getting online price quotes is that drivers can save money and get lower prices but also keep your business local.
To help locate an agent, after submitting this simple form, your coverage information is submitted to agents in your area that give free quotes for your business. There is no reason to find an agent due to the fact that quote results will go to you instantly. It's the lowest rates and an insurance agent to talk to. If you want to compare rates from a specific company, feel free to search and find their rate quote page and give them your coverage information.
Choosing an insurance company requires more thought than just a cheap price. Below are some questions you should ask.
- Is the coverage adequate for your vehicle?
- Is there a 24/7 contact number?
- Are all drivers listed on the coverage quote?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is there a local claims center in Austin?
- Do they reduce claim amounts on high mileage vehicles?
- Do they offer rental car reimbursement?
If you're trying to find a good Austin insurance agent, you should know the different types of agents that differ in how they can insure your vehicles. Auto insurance agents in Austin can be described as either exclusive agents or independent agents.
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company's rates and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to give you multiple price quotes so you might not find the best rates. These agents are very knowledgeable on sales techniques and that enables them to sell even at higher rates.
Shown below is a list of exclusive agents in Austin that can give you price quote information.
Robert Ndegwa - State Farm Insurance Agent
1200 W Howard Ln f - Austin, TX 78753 - (512) 837-8818 - View Map
J B Ruebsahm - State Farm Insurance Agent
1901 W William Cannon Dr #131 - Austin, TX 78745 - (512) 444-1845 - View Map
Allstate Insurance: Fleming and Conway Agency
3435 Greystone Dr Ste 107 - Austin, TX 78731 - (512) 345-0005 - View Map
Independent Auto Insurance Agents
Agents of this type do not work for one specific company and that allows them to write policies through many companies and find you the best rates. To move your coverage to a new company, they simply move the coverage in-house which makes it simple for you.
When comparison shopping, you will definitely want to include price quotes from at a minimum one independent agency to maximize your price options.
Below are independent insurance agents in Austin willing to provide comparison quotes.
Capitol City Insurance
8030 N Mopac Expy - Austin, TX 78759 - (512) 343-0280 - View Map
Watkins Insurance Group
3834 Spicewood Springs Rd - Austin, TX 78759 - (512) 452-8877 - View Map
All Texas Insurance
6700 Middle Fiskville Rd # 303 - Austin, TX 78752 - (512) 459-7979 - View Map
Once you have received satisfactory answers to any questions you may have in addition to an acceptable price estimate, you may have found a car insurance agent that is professional and can insure your vehicles.
Which policy gives me the best coverage?
When buying the best insurance coverage for your vehicles, there really is no "perfect" insurance plan. Every insured's situation is different.
For example, these questions can aid in determining whether your personal situation might need professional guidance.
- Do I need added coverage for expensive stereo equipment?
- Is my Chrysler 300 covered for smoke damage?
- Can I rent a car in Mexico?
- What is the minimum liability in Texas?
- Why do I have to buy liability insurance?
- Are split liability limits better than a combined single limit?
- Can my teen driver be rated on a liability-only vehicle?
- How high should my medical payments coverage be?
If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Find cheap rates by being thorough
You just learned quite a bit of information on how to compare Chrysler 300 insurance premium rates in Austin. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with an unexpected company.
People switch companies for any number of reasons including not issuing a premium refund, delays in responding to claim requests, extreme rates for teen drivers and being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company is actually quite simple.
Lower-priced insurance in Austin is attainable from both online companies in addition to many Austin insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.
Even more information can be found by following these links:
- Credit Impacts Car Insurance Rates (State Farm)
- How Much is Austin Auto Insurance for a Ford Explorer? (FAQ)
- Who Has the Cheapest Austin Auto Insurance Quotes for High Mileage Drivers? (FAQ)
- How Much are Austin Auto Insurance Rates for Real Estate Agents? (FAQ)
- Who Has Affordable Austin Auto Insurance Quotes for Active Military? (FAQ)
- Neck Injury FAQ (iihs.org)
- Understanding your Policy (NAIC.org)