Insurance for Chrysler 300Trying to find cheaper insurance for your Chrysler 300 in Indiana could be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Chrysler and find the cheapest rates from Indianapolis insurance agents and online providers.

It's a good habit to get comparison quotes as often as possible because insurance prices change regularly. Even if you think you had the lowest rates on Chrysler 300 insurance in Indianapolis a couple years back you can probably find a better premium rate now. You'll find quite a bit of inaccurate information about 300 insurance on the internet, but you can learn the easiest ways to find affordable insurance in Indianapolis.

Companies offering Chrysler 300 insurance in Indianapolis

The providers in the list below offer comparison quotes in Indianapolis, IN. If multiple providers are shown, it's highly recommended you compare several of them in order to get a fair rate comparison.

Chrysler 300 Insurance Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $190 $366 $270 $16 $80 $922 $77
300 Touring Plus 4-Dr Sedan $222 $396 $290 $18 $86 $1,012 $84
300 Touring AWD 4-Dr $172 $340 $294 $18 $88 $912 $76
300 S V6 4-Dr Sedan $234 $504 $294 $18 $88 $1,138 $95
300 Touring Signature 4-Dr Sedan $210 $444 $318 $18 $94 $1,084 $90
300 Touring Executive 4-Dr Sedan $192 $392 $364 $22 $110 $1,080 $90
300 Touring Signature AWD 4-Dr $276 $544 $290 $18 $86 $1,214 $101
300 Limited 4-Dr Sedan $294 $580 $286 $16 $86 $1,262 $105
300 C 4-Dr Sedan $170 $332 $264 $16 $80 $862 $72
300 S V8 4-Dr Sedan $304 $592 $280 $16 $84 $1,276 $106
300 Limited AWD 4-Dr $234 $486 $294 $18 $88 $1,120 $93
300 C AWD 4-Dr $202 $368 $290 $18 $86 $964 $80
300 SRT-8 4-Dr Sedan $262 $610 $318 $18 $94 $1,302 $109
Get Your Own Custom Quote Go

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Indianapolis which can modify coverage rates substantially.

Raise deductibles and save

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The premium rates below help summarize the rate differences when you select higher and lower deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Chrysler 300 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
300 Touring Plus 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
300 Touring AWD 4-Dr $244 $430 $280 $16 $84 $1,079 $90
300 S V6 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
300 Touring Signature 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
300 Touring Executive 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
300 Touring Signature AWD 4-Dr $272 $496 $280 $16 $84 $1,173 $98
300 Limited 4-Dr Sedan $272 $496 $280 $16 $84 $1,173 $98
300 C 4-Dr Sedan $272 $496 $280 $16 $84 $1,173 $98
300 S V8 4-Dr Sedan $272 $496 $280 $16 $84 $1,173 $98
300 Limited AWD 4-Dr $272 $496 $280 $16 $84 $1,173 $98
300 C AWD 4-Dr $272 $496 $280 $16 $84 $1,173 $98
300 SRT-8 4-Dr Sedan $272 $496 $280 $16 $84 $1,173 $98
Get Your Own Custom Quote Go
Chrysler 300 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
300 Touring Plus 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
300 Touring AWD 4-Dr $152 $270 $280 $16 $84 $802 $67
300 S V6 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
300 Touring Signature 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
300 Touring Executive 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
300 Touring Signature AWD 4-Dr $168 $312 $280 $16 $84 $860 $72
300 Limited 4-Dr Sedan $168 $312 $280 $16 $84 $860 $72
300 C 4-Dr Sedan $168 $312 $280 $16 $84 $860 $72
300 S V8 4-Dr Sedan $168 $312 $280 $16 $84 $860 $72
300 Limited AWD 4-Dr $168 $312 $280 $16 $84 $860 $72
300 C AWD 4-Dr $168 $312 $280 $16 $84 $860 $72
300 SRT-8 4-Dr Sedan $168 $312 $280 $16 $84 $860 $72
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in Indianapolis location which can affect coverage rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $24 more each month or $288 annually than choosing the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 31 months between claims, you would probably come out ahead by going with a higher deductible. The illustration below shows an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $94
Average monthly premium for $1,000 deductibles (subtract): - $70
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One thing to note is that a higher deductible means you will have to pay more when you have a comprehensive or collision claim. That will force you to have some extra savings in order to pay the higher deductible.

Policy deductibles

The diagram below illustrates how your choice of deductibles and can change Chrysler 300 insurance costs for different age groups of insureds. The premiums are based on a single male driver, full coverage, and no additional discounts are factored in.

Impact of speeding/accidents on car insurance rates

The information below demonstrates how speeding tickets and accident claims can influence Chrysler 300 insurance rates for different categories of driver ages. The premium estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

You may qualify for discounts for Chrysler 300 insurance in Indianapolis

Car insurance is not cheap, but you may find discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be asked about in order for you to get them.Discount insurance

It's important to understand that most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you can get free auto insurance, insurance companies wouldn't stay in business.

The best insurance companies and their possible discounts are detailed below.

Before you buy a policy, ask each company or agent what discounts are available to you. Some discounts listed above may not apply to policyholders everywhere. To see a list of companies who offer discounts in Indiana, click here to view.

Smart Consumers Know How to Quote Car Insurance for Less

Part of the car insurance buying process is learning some of the things that go into determining your policy premiums. If you have some idea of what determines base rates, this helps enable you to make changes that can earn you lower car insurance prices.

Save money by eliminating extra policy coverages - Insurance companies have many optional add-on coverages that can add up on your car insurance policy. Coverages like rental car reimbursement, accidental death, and Farm Bureau memberships could be just wasting money. They may sound like good ideas when discussing your needs, but if they're wasting money remove them from your policy.

Better rates for being claim-free - Car insurance companies in Indiana award the lowest premiums to drivers that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.

Fast cars cost more to insure - The performance of the vehicle you need to insure makes a significant difference in your car insurance bill. The best insurance prices are for small economy passenger cars, but your final cost has many other factors. Because the Chrysler 300 is a passenger car, insurance will be similar in price or lower as compared to the average rate in Indianapolis.

Cautious drivers pay lower premiums - Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Even a single speeding ticket can bump up the cost to the point where it's not affordable. Drivers who have received serious tickets such as reckless driving or DUI may be required to prove financial responsibility with their state's department of motor vehicles in order to prevent a license revocation.

High credit equals lower prices - A driver's credit score will be a significant factor in calculating your car insurance rates. Consumers who have excellent credit scores tend to be better risks to insure than drivers with bad credit. If your credit history can use some improvement, you could be paying less to insure your Chrysler 300 by repairing your credit.

How do annual miles impact premiums? - Driving a lot of miles in a year the more you'll pay to insure your vehicle. A lot of insurance companies apply a rate determined by how the vehicle is used. Cars that sit idle most of the time can get a lower rate than vehicles that are driven to work every day. Incorrect rating for your 300 may be costing you higher rates. Ask your agent if your car insurance declarations sheet states the correct usage.

Better prices with anti-theft devices - Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.

Premiums drop with age - Older drivers are more cautious drivers, cause fewer claims and accidents, and are generally more financially stable.Youthful drivers are statistically shown to be careless and easily distracted when driving with friends therefore car insurance rates are much higher.

Chrysler 300 insurance loss statistics - Car insurance companies use past loss statistics for each vehicle when setting rates for each model. Vehicles that have higher claim frequency or loss amount will be charged more to insure.

The table below demonstrates the actual insurance loss data for Chrysler 300 vehicles. For each insurance policy coverage type, the statistical loss for all vehiclescombined as an average is considered to be 100. Percentage values below 100 suggest a positive loss record, while numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

Car Insurance Loss Data for Chrysler 300 Models

Specific Chrysler Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chrysler 300 2WD 115 103 178 134 136 114
Chrysler 300 4WD 109 100 206 113 96 104
Chrysler 300 HEMI 125 96 225 105 114 117

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Which is the best insurance?

Always keep in mind that when comparing insurance from an agent or online for your vehicles, there is no cookie cutter policy. You are unique.Drive safe and save

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Insurance agents can find coverage gaps

A lot of people just want to get professional advice from a licensed agent and often times that is recommended Agents can make sure you are properly covered and help file insurance claims. A good thing about comparing rate quotes online is that you can obtain the lowest rates and still choose a local agent.

Find insurance agent in IndianapolisBy using this simple form, your coverage information is submitted to local insurance agents who will give you quotes for your insurance coverage. You never need to contact any agents as quotes are delivered directly to your email. If you want to quote rates from one company in particular, feel free to search and find their rate quote page and complete a quote there.

Finding a good insurance company is decision based upon more than just the bottom line cost. Before buying a policy in Indianapolis, get answers to these questions.

Different types of Indianapolis auto insurance agents

When finding an insurance agent, it's important to understand the different types of agencies and how they operate. Insurance agencies can be categorized as either independent agents or exclusive agents depending on their employer. Either one can insure your vehicles, but it's a good idea to understand the differences since it can impact the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agents can only provide pricing for a single company such as State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents are trained well on sales techniques and that allows them to sell at a higher price point. Some people will only use the same exclusive agent primarily because of the brand name instead of buying on price only.

The following are exclusive agents in Indianapolis who may provide you with comparison quotes.

View more Indianapolis agents

Independent Insurance Agencies

Agents in the independent channel can sell policies from many different companies so they can insure your vehicles with any number of different companies and find the cheapest rate. If your agent finds better pricing, the agent simply finds a different carrier and you don't have to switch agencies.

If you are comparing insurance prices, we highly recommend that you compare prices from several independent agencies to have the best price comparison. Many can place coverage with companies you've never heard of which can save you money.

Listed below are Indianapolis independent insurance agents that can give you price quote information.

View more Indianapolis agents

Can you really save $458 a year?

Indiana consumers can't avoid all the ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to have a common claim of big savings just by switching your coverage to them.

But how can every company offer drivers better rates? This is the trick they use.

Auto insurance companies have specific criteria for the type of driver that will add to their bottom line. For instance, a profitable customer might be over the age of 50, has no prior claims, and the vehicle is rated for pleasure use. Someone who fits that profile will get low car insurance rates and is almost guaranteed to save quite a bit of money when switching.

Insureds who don't measure up to those standards may be required to pay a more expensive rate and this results in business not being written. If you pay attention, the ads say "people that switch" but not "everyone who gets a quote" can get the lowest rates when switching. This is how companies can truthfully make it sound like they have such great car insurance rates. Different companies use different criteria so it is so important to compare rate quotes every year. It's impossible to know which auto insurance company will have the best Chrysler 300 insurance in Indianapolis.

A little work can save a LOT of money

More affordable auto insurance in Indianapolis is attainable online as well as from independent agents in Indianapolis, and you need to comparison shop both to have the best rate selection. A few companies may not offer rates over the internet and many times these regional insurance providers work with local independent agencies.

Insureds switch companies for a number of reasons such as policy non-renewal, lack of trust in their agent, high prices and denial of a claim. It doesn't matter why you want to switch choosing a new insurance company is not as hard as you think.

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability limits or collision coverage and found out when filing a claim they didn't have enough coverage. Your goal should be to get the best coverage possible for the lowest cost.

More detailed auto insurance information can be read at these sites: