Do you want an efficient way to compare lower-priced car insurance rates in Evansville, IN? Evansville consumers have a choice when looking for low-cost Chrysler 300 insurance. They can either spend hours contacting agents to compare prices or use the internet to make rate comparisons.
There are more efficient ways to compare car insurance rates so you're going to learn the quickest way to compare rates for a new or used Chrysler and find the lowest price from both online companies and Evansville agents.
Unbelievably, most consumers kept buying from the same company for well over three years, and about 40% of consumers have never compared car insurance rates at all. The average driver in Indiana could cut their rates by up to 55% a year by just comparing quotes, but they don't invest the time required to compare rates.
Smart consumers take time to get comparison quotes every six months because car insurance prices tend to go up over time. Just because you had the best rates on Chrysler 300 insurance in Evansville at your last renewal the chances are good that you can find a lower rate quote today. There is too much inaccurate information about 300 insurance online, but we're going to give you some proven techniques to lower your car insurance bill.
Low-cost companies for Chrysler 300 insurance in Indiana
The following companies can provide quotes in Evansville, IN. If the list has multiple companies, we suggest you click on several of them to find the most competitive car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|300 Touring 4-Dr Sedan||$234||$530||$318||$18||$94||$1,194||$100|
|300 Touring Plus 4-Dr Sedan||$172||$340||$318||$18||$94||$942||$79|
|300 Touring AWD 4-Dr||$116||$224||$264||$16||$80||$700||$58|
|300 S V6 4-Dr Sedan||$130||$280||$318||$18||$94||$840||$70|
|300 Touring Signature 4-Dr Sedan||$236||$486||$364||$22||$110||$1,218||$102|
|300 Touring Executive 4-Dr Sedan||$130||$266||$318||$18||$94||$826||$69|
|300 Touring Signature AWD 4-Dr||$262||$580||$294||$18||$88||$1,242||$104|
|300 Limited 4-Dr Sedan||$276||$544||$290||$18||$86||$1,214||$101|
|300 C 4-Dr Sedan||$310||$496||$368||$22||$110||$1,306||$109|
|300 S V8 4-Dr Sedan||$262||$580||$294||$18||$88||$1,242||$104|
|300 Limited AWD 4-Dr||$170||$332||$264||$16||$80||$862||$72|
|300 C AWD 4-Dr||$190||$392||$294||$18||$88||$982||$82|
|300 SRT-8 4-Dr Sedan||$190||$412||$318||$18||$94||$1,032||$86|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in Evansville location which can impact rates noticeably.
How careless driving impacts car insurance rates
The example below shows how speeding tickets and at-fault collisions can drive up Chrysler 300 insurance costs for each different age group. The rates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.
Evansville car insurance discounts
Some providers don't always advertise every policy discount in a way that's easy to find, so the following list contains some of the more common and the harder-to-find credits available to you.
- New Car Discount - Insuring a new 300 can save up to 30% compared to insuring an older model.
- Accident Free - Evansville drivers who stay claim-free have much lower rates when compared to frequent claim filers.
- Auto/Life Discount - If the company offers life insurance, you could get a discount if you purchase a life policy as well.
- Discounts for Cautious Drivers - Drivers without accidents can save up to 40% or more on their Evansville car insurance quote than drivers with accident claims.
- Telematics Devices - Drivers who elect to allow data collection to look at driving manner by using a telematics device like Allstate's Drivewise may get a rate reduction if they exhibit good driving behavior.
- Discount for Multiple Policies - If you can bundle your auto and home insurance with one insurance company you may earn up to 20% off your total 300 insurance premium.
A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way. But all discounts will help lower your premiums.
A few companies who might offer some of the above discounts include:
Double check with every company the best way to save money. Depending on the company, some discounts might not be available to policyholders in Evansville.
Insurance agencies are trained to help
Many people just prefer to visit with an insurance agent and that is a smart decision Professional insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing insurance prices online is that you can find the best rates and still buy from a local agent. And supporting local insurance agents is important particularly in Evansville.
To find an agent, once you fill out this simple form, your insurance data gets sent to companies in Evansville who can give free rate quotes to get your business. It simplifies rate comparisons since you won't have to drive around due to the fact that quote results will go to you directly. In the event you want to get a price quote from a specific auto insurance provider, you can always search and find their rate quote page and fill out the quote form the provide.
The type of auto insurance agent you choose is important
If you are wanting to purchase auto insurance from a good insurance agency, you should know the different agency structures that differ in how they can insure your vehicles. Agencies in Evansville are either independent agents or exclusive agents. Either one can properly insure your vehicles, but it's worth learning the subtle differences because it can factor into your agent selection.
Independent Auto Insurance Agents
Independent agencies often have many company appointments so as a result can place your coverage with any number of different companies and find the cheapest auto insurance rates. If prices rise, they can switch companies in-house without you having to go to a different agency. When comparing auto insurance prices, you will definitely want to include rate quotes from at least one independent agent so that you have a good selection of quotes to compare. Most can insure with smaller companies which could offer lower prices.
Below is a short list of independent agencies in Evansville who may be able to give you free rate quotes.
- Jason Wright Insurance Agency LLC
417 N Weinbach Ave #104 - Evansville, IN 47711 - (812) 402-9008 - View Map
- AssuredPartners NL
120 N Fulton Ave a - Evansville, IN 47710 - (812) 485-2800 - View Map
- Schultheis Insurance
32 N Weinbach Ave - Evansville, IN 47711 - (812) 479-8651 - View Map
Exclusive Insurance Agents
Agents that elect to be exclusive generally can only insure with one company and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot shop your coverage around so they really need to provide good service. These agents receive extensive training on their products and sales techniques and that enables them to sell even at higher rates. Consumers often buy from the same agent for years partially due to high brand loyalty rather than having low rates.
Listed below is a list of exclusive agents in Evansville who can help you get comparison quotes.
- Kyle Rhone - State Farm Insurance Agent
421 N St Joseph Ave d - Evansville, IN 47712 - (812) 424-1708 - View Map
- Farmers Insurance - Robert Sheffer
1343 Tutor Ln b - Evansville, IN 47715 - (812) 437-4772 - View Map
- AAA Insurance Agent: Tim Cornelius
7820 Eagle Crest Blvd - Evansville, IN 47715 - (812) 477-9966 ext. 248 - View Map
Finding a good car insurance agent requires you to look at more than just the premium amount. Here are some questions to ask:
- Will they give you a referral list?
- Do they prorate repair cost based on vehicle mileage?
- Do you need full coverage on every vehicle?
- How much training do they have in personal risk management?
- Do you qualify for any additional discounts?
Once you have satisfactory answers to your questions and a good coverage price, it's possible that you found a car insurance agent that is a good match to properly insure your vehicles.
Buyer beware of insurance advertising tricks
Consumers in Indiana can't avoid all the ads that promise big savings for switching from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about saving some big amount just by switching to their company.
How does each company charge you less for car insurance? This is the way they can do it.
Companies have specific guidelines for the type of insured they prefer to insure. For instance, a profitable risk profile could possibly be over the age of 40, is a homeowner, and insures a new vehicle. Any driver who fits those characteristics receive the lowest rate quotes in Evansville and is almost guaranteed to save when switching.
Consumers who do not fit the requirements may be forced to pay higher rates which results in the prospect going elsewhere. If you listen to the ad wording, they say "drivers that switch" but not "all drivers who get quotes" can get the lowest rates when switching. That's the way companies can claim big savings.
Because of the profiling, you need to get Evansville car insurance quotes from several different companies. It's just too difficult to predict which company will have better prices than you're paying now.
Keep this in mind when shopping around
As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage only to find out that it was a big error on their part. Your objective should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Affordable Chrysler 300 insurance in Evansville is possible both online in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. Some companies do not provide online rate quotes and usually these regional insurance providers only sell through independent agencies.
Throughout this article, we presented many tips how you can find lower-cost Chrysler 300 insurance in Evansville. It's most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the best price on insurance is with an unexpected company.
To read more, feel free to browse the resources below:
- Property Damage Coverage (Liberty Mutual)
- How Much are Auto Insurance Quotes for a 20 Year Old Male in Indiana? (FAQ)
- What is the Cheapest Auto Insurance in Lawrence, Indiana? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Learn About Car Insurance (GEICO)
- Car Insurance FAQ (Trusted Choice)