Best Insurance for a Chrysler 300 in Fresno

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Unbelievable but true according to a study most drivers in California have purchased from the same company for more than four years, and just short of a majority have never quoted insurance rates at all. Drivers in the United States could save as much as $850 every year by just comparing quotes, but they just assume it takes a lot of time to compare rate quotes online.

Insurance for Chrysler 300If you want to find the absolute lowest rates, then the best way to find cheaper prices for Chrysler 300 insurance is to regularly compare prices from different companies in Fresno. Prices can be compared by following these guidelines.

  • First, take a little time to learn about car insurance and the things you can change to prevent expensive coverage. Many policy risk factors that result in higher rates like getting speeding tickets and your credit history can be remedied by making lifestyle changes or driving safer. This article provides the details to lower rates and get bigger discounts that may have been overlooked.
  • Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies. Select a company
  • Third, compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate and buy the policy, verify that coverage does not lapse between policies.
  • Fourth, notify your current company of your intention to cancel the current policy and submit the required down payment along with the signed application to the newly selected company. As soon as you receive it, put the proof of insurance certificate along with your vehicle registration.

An essential thing to point out is that you use similar coverage information on every quote request and and to analyze as many different companies as possible. Doing this provides a fair rate comparison and maximum price selection.

The providers in the list below offer free rate quotes in California. If you wish to find the best auto insurance in Fresno, we suggest you compare several of them to get a more complete price comparison.

Insurance statistics and figures

The table shown below outlines a range of policy rates for Chrysler 300 models. Being more informed about how policy premiums are calculated can assist in making smart choices when comparing insurance quotes.

Chrysler 300 Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $300 $576 $424 $26 $126 $1,452 $121
300 Touring Plus 4-Dr Sedan $300 $576 $424 $26 $126 $1,452 $121
300 Touring AWD 4-Dr $300 $576 $424 $26 $126 $1,452 $121
300 S V6 4-Dr Sedan $300 $576 $424 $26 $126 $1,452 $121
300 Touring Signature 4-Dr Sedan $300 $576 $424 $26 $126 $1,452 $121
300 Touring Executive 4-Dr Sedan $300 $576 $424 $26 $126 $1,452 $121
300 Touring Signature AWD 4-Dr $334 $664 $424 $26 $126 $1,574 $131
300 Limited 4-Dr Sedan $334 $664 $424 $26 $126 $1,574 $131
300 C 4-Dr Sedan $334 $664 $424 $26 $126 $1,574 $131
300 S V8 4-Dr Sedan $334 $664 $424 $26 $126 $1,574 $131
300 Limited AWD 4-Dr $334 $664 $424 $26 $126 $1,574 $131
300 C AWD 4-Dr $334 $664 $424 $26 $126 $1,574 $131
300 SRT-8 4-Dr Sedan $334 $664 $424 $26 $126 $1,574 $131
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific location information which can revise coverage prices substantially.

Higher deductibles lower rates

The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below may aid in understanding the cost difference when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Chrysler 300 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
300 Touring Plus 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
300 Touring AWD 4-Dr $386 $678 $442 $26 $132 $1,689 $141
300 S V6 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
300 Touring Signature 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
300 Touring Executive 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
300 Touring Signature AWD 4-Dr $430 $780 $442 $26 $132 $1,835 $153
300 Limited 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
300 C 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
300 S V8 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
300 Limited AWD 4-Dr $430 $780 $442 $26 $132 $1,835 $153
300 C AWD 4-Dr $430 $780 $442 $26 $132 $1,835 $153
300 SRT-8 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
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Chrysler 300 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
300 Touring Plus 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
300 Touring AWD 4-Dr $314 $546 $442 $26 $132 $1,460 $122
300 S V6 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
300 Touring Signature 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
300 Touring Executive 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
300 Touring Signature AWD 4-Dr $348 $630 $442 $26 $132 $1,578 $132
300 Limited 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
300 C 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
300 S V8 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
300 Limited AWD 4-Dr $348 $630 $442 $26 $132 $1,578 $132
300 C AWD 4-Dr $348 $630 $442 $26 $132 $1,578 $132
300 SRT-8 4-Dr Sedan $348 $630 $442 $26 $132 $1,578 $132
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific zip code location which can raise or lower premium rates significantly.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $20 more each month or $240 for a full year than requesting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 13 months between claims, you would come out ahead by selecting a higher deductible.

The diagram below illustrates how choosing a deductible and can increase or decrease Chrysler 300 insurance prices for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

How violations and accidents impact rates

The example below illustrates how traffic citations and fender-benders can influence Chrysler 300 auto insurance costs for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Difference between liability only and full coverage rates

The example below illustrates the difference between Chrysler 300 premium costs with and without physical damage coverage. The premiums assume no accidents, no driving violations, $500 deductibles, drivers are single, and no policy discounts are applied.

Are you wasting money on full coverage?

There is no written rule to stop buying full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Chrysler 300 replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying your policy deductible. If it's costing you more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not advised. If you haven't paid off your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

When to get professional advice

When selecting coverage online or from an agent for your personal vehicles, there really is no best way to insure your cars. Everyone's situation is a little different.Safe vehicles cost less to insure

Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • How does medical payments coverage work?
  • Do I have coverage if I rent a car in Mexico?
  • How can I get my company to pay me more for my totaled car?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need to file an SR-22 for a DUI in California?
  • Can I afford low physical damage deductibles?
  • What is the ISO rating for a Chrysler 300?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.

Auto insurance agents near you

Many drivers still prefer to talk to an insurance agent and that is just fine! Good insurance agents can make sure you are properly covered and help you file claims. The best thing about price shopping on the web is you may find better rates and still have a local agent. Buying insurance from small agencies is especially important in Fresno.

For easy comparison, once you complete this quick form, the quote information is instantly submitted to participating agents in Fresno that can give you free Fresno auto insurance quotes to get your business. It simplifies rate comparisons since you won't have to do any legwork since rate quotes are delivered to you directly. If you need to compare prices from a particular provider, don't hesitate to navigate to their website and complete a quote there.

When searching for a reliable insurance agency, it's helpful to know the different types of agencies and how they are slightly different. Auto insurance agents in Fresno are considered either independent (non-exclusive) or exclusive. Either one can sell affordable auto insurance policies, but it's good to learn the difference between them since it could factor into your agent selection.

Independent Auto Insurance Agents

Agents in the independent channel are not locked into one company and that enables them to quote your coverage through many different auto insurance companies and get the cheapest rates. If premiums increase, your agent can switch companies and you don't have to switch agencies. When comparing auto insurance rates, you will want to include price quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with mutual insurance companies which can save you money.

The following is a small list of independent agencies in Fresno who may provide free rate quotes.

More Fresno agents

Exclusive Agencies

Exclusive insurance agents have only one company to place business with like Allstate and State Farm. They usually cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. These agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently choose to use an exclusive agent mainly due to the prominent brand name rather than low rates.

Below are Fresno exclusive agencies willing to provide price quotes.

More Fresno agents

Choosing an car insurance agent requires you to look at more than just the quoted price. Any agent in Fresno should be willing to answer these questions.

  • Which family members are covered?
  • Does the agency support the community they serve?
  • Where are claims handled?
  • Do they review policy coverages at every renewal?
  • Is working in the agency their full-time job?
  • Can they provide you with a list of referrals?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

If you receive answers to your satisfaction to these questions as well as inexpensive Chrysler 300 insurance in Fresno quotes, you have narrowed it down to an auto insurance agent that is reputable and can service your policy. It's important to know that policyholders can cancel coverage whenever you choose to so never assume you are locked into a specific company with no way to switch.