It’s safe to conclude that auto insurance companies don’t want you to look at other companies. Drivers who get price comparisons are inclined to buy a new policy because there is a great chance of finding more affordable rates. A study discovered that drivers who compared rates regularly saved approximately $860 a year compared to those who never compared other company’s rates.
If finding the best rates on car insurance is the reason you’re reading this, learning how to get rate quotes and compare insurance coverage can save money and time.
It takes a little time, but the best way to get affordable Chrysler 300 insurance is to do an annual price comparison from providers who provide car insurance in Dallas. You can compare prices by following these guidelines.
Step 1: Get a basic knowledge of car insurance and the measures you can control to prevent rate increases. Many rating criteria that result in higher rates such as your driving record and a poor credit score can be controlled by making small lifestyle or driving habit changes.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can provide prices for a wide range of companies.
Step 3: Compare the new rates to your current policy to determine if switching companies saves money. If you can save some money and decide to switch, make sure there is no coverage gap between policies.
One key aspect of rate comparisons is to make sure you enter the same coverage limits and deductibles on every price quote and and to get rates from every insurance company. Doing this provides the most accurate price comparison and a thorough price selection.
If you are insured now, you should be able to lower your rates using the following tips. Quoting the lowest-priced car insurance coverage in Dallas is simple if you know the tricks. But Texas vehicle owners do need to understand the way companies calculate their prices because it varies considerably.
Just keep in mind that more quotes will increase your chances of finding lower pricing.
The auto insurance companies shown below are ready to provide price comparisons in Texas. If multiple providers are shown, we recommend you get price quotes from several of them to find the most competitive auto insurance rates.
Car insurance statistics for a Chrysler 300
The coverage information shown next showcases a range of insurance prices for Chrysler 300 models. Learning as much as possible about how auto insurance prices are calculated can help drivers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $176 | $360 | $400 | $24 | $120 | $1,080 | $90 |
| 300 Touring Plus 4-Dr Sedan | $176 | $360 | $400 | $24 | $120 | $1,080 | $90 |
| 300 Touring AWD 4-Dr | $176 | $360 | $400 | $24 | $120 | $1,080 | $90 |
| 300 S V6 4-Dr Sedan | $176 | $360 | $400 | $24 | $120 | $1,080 | $90 |
| 300 Touring Signature 4-Dr Sedan | $176 | $360 | $400 | $24 | $120 | $1,080 | $90 |
| 300 Touring Executive 4-Dr Sedan | $176 | $360 | $400 | $24 | $120 | $1,080 | $90 |
| 300 Touring Signature AWD 4-Dr | $196 | $414 | $400 | $24 | $120 | $1,154 | $96 |
| 300 Limited 4-Dr Sedan | $196 | $414 | $400 | $24 | $120 | $1,154 | $96 |
| 300 C 4-Dr Sedan | $196 | $414 | $400 | $24 | $120 | $1,154 | $96 |
| 300 S V8 4-Dr Sedan | $196 | $414 | $400 | $24 | $120 | $1,154 | $96 |
| 300 Limited AWD 4-Dr | $196 | $414 | $400 | $24 | $120 | $1,154 | $96 |
| 300 C AWD 4-Dr | $196 | $414 | $400 | $24 | $120 | $1,154 | $96 |
| 300 SRT-8 4-Dr Sedan | $196 | $414 | $400 | $24 | $120 | $1,154 | $96 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in your specific Dallas location which can increase or decrease insurance rates significantly.
Policy deductibles
The hardest decision when buying coverage is which deductibles should you choose. The comparison tables below determine the rate differences of buying low and high physical damage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate table 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 | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific garaging location which can lower or raise insurance rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible will cost you about $32 more each month or $384 for a full year across all Chrysler 300 models than buying the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 13 months between claims, you would most likely save money if you choose the higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $141 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The illustration below demonstrates how deductible levels and can raise or lower Chrysler 300 yearly insurance costs for each age group. The price estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Discounts for affordable auto insurance quotes
Auto insurance companies don’t always publicize all possible discounts very clearly, so here is a list some of the more common as well as some of the hidden discounts you could be receiving when you buy Dallas auto insurance online. If you do not check that you are getting every discount possible, you’re paying more than you need to.
- Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of 20% or more.
- One Accident Forgiven – This isn’t a discount exactly, but some companies like GEICO, Allstate and Liberty Mutual will let one accident slide without getting socked with a rate hike so long as you are claim-free for a specific time period.
- Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
- Auto/Home Discount – When you combine your auto and homeowners insurance with the same insurance company you will save up to 20% off your total 300 insurance premium.
- Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
- Paperwork-free – Some companies will give a small break for signing up on your computer.
Discounts save money, but please remember that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will positively reduce the amount you have to pay.
The chart below illustrates the comparison of Chrysler 300 insurance premiums with and without policy discounts. The information is based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, safe-driver, multi-policy, and claim-free discounts applied.
A list of auto insurance companies and the discounts they provide are included below.
- State Farm discounts include multiple policy, accident-free, multiple autos, student away at school, anti-theft, defensive driving training, and Steer Clear safe driver discount.
- Farmers Insurance has savings for mature driver, business and professional, pay in full, distant student, and early shopping.
- Progressive includes discounts for multi-policy, online quote discount, online signing, continuous coverage, and homeowner.
- GEICO offers premium reductions for membership and employees, anti-lock brakes, multi-vehicle, five-year accident-free, anti-theft, and seat belt use.
- Auto-Owners Insurance may have discounts that include student away at school, safe vehicle, anti-lock brakes, mature driver, anti-theft, company car, and paperless.
- The Hartford may offer discounts for bundle, anti-theft, air bag, good student, vehicle fuel type, defensive driver, and driver training.
- Farm Bureau policyholders can earn discounts including renewal discount, youthful driver, multi-policy, good student, and driver training.
- USAA has discounts for defensive driver, driver training, multi-vehicle, military installation, and new vehicle.
If you are trying to find inexpensive Dallas auto insurance quotes, ask every insurance company which discounts they offer. All car insurance discounts might not be available to policyholders in Dallas. To find companies who offer discounts in Texas, click here.
Why you need to buy insurance
Despite the high cost, insurance is required by state law in Texas and it also provides benefits you may not be aware of.
First, most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability protection 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.
Second, if you have a lien on your vehicle, it’s guaranteed your bank will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may insure your Chrysler at an extremely high rate and make you pay for the much more expensive policy.
Third, insurance preserves both your assets and your Chrysler 300. It will also pay for all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your 300 more than offset the price you pay, especially when you need to use it. The average driver in America overpays more than $820 a year so compare quotes from several companies every year to help ensure money is not being wasted.
Local neighborhood Dallas car insurance agents
Some consumers would rather sit down and talk to an agent and doing so can bring peace of mind One of the benefits of comparing insurance online is that drivers can save money and get lower prices and still choose a local agent. Buying from neighborhood insurance agencies is definitely important in Dallas.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is sent to agents in your area who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to leave your house because quoted prices will be sent instantly to you. You can find the lowest rates AND a local agent. In the event you want to get a price quote from a specific insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
If you’re trying to find a local Dallas insurance agent, it helps to know the two types of agencies and how they operate. Insurance agents in Dallas are categorized either independent or exclusive depending on the company they work for.
Independent Insurance Agencies or Brokers
Agents in the independent channel can quote rates with many companies and that enables them to quote your coverage with multiple insurance companies and find the cheapest insurance rates. If they find a cheaper price, your agent can switch companies and the insured can keep the same agent.
When comparing insurance rates, it’s a good idea to include several independent agencies to have the most options to choose from. Most can insure with less well-known companies which may provide better rates.
Listed below is a small list of independent agencies in Dallas that may be able to provide price quote information.
- Ross “Pistol” Love – Love Insurance Agency
5400 E Mockingbird Ln #224 – Dallas, TX 75206 – (214) 843-0772 – View Map - Porter-Brandenburg Agency
12160 Abrams Rd – Dallas, TX 75243 – (972) 234-5588 – View Map - Nationwide Insurance: The Rod Hanks Agency Inc
6300 Samuell Blvd #05 – Dallas, TX 75228 – (214) 275-8372 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel write business for a single company like State Farm or Allstate. Exclusive agents cannot provide other company’s prices so keep that in mind. Exclusive insurance agents are well schooled on what they offer which can be an advantage. Some people will only buy from the same agent for years mainly due to high brand loyalty rather than low price.
Listed below is a short list of exclusive agencies in Dallas that are able to give price quotes.
- Steve Barnes – State Farm Insurance Agent
4403 N Central Expy, Ste 100 – Dallas, TX 75205 – (214) 515-9900 – View Map - State Farm: Brent Cooper
5232 Forest Ln #111 – Dallas, TX 75244 – (214) 987-1995 – View Map - Phil Maxey – State Farm Insurance Agent
17304 Preston Rd Ste 125 – Dallas, TX 75252 – (972) 233-2222 – View Map
Choosing the best insurance agency needs to be determined by more than just a cheap quote. Any agent in Dallas should be willing to answer these questions.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they assist clients in filing claims?
- Is the agent CPCU or CIC certified?
- Will the quote change when the policy is issued?
- Will they give you a referral list?
- When do they do policy reviews?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Which insurance companies are they affiliated with?