Save Money on Chrysler 300 Insurance in Atlanta

Have you finally had enough of being strong-armed to make your car insurance payment? You have the same problem as millions of other vehicle owners.

Insurance quote for Chrysler 300 in AtlantaUnbelievable but true, the vast majority of drivers have bought car insurance from the same company for four years or more, and virtually 40% of consumers have never compared rate quotes at all. The average driver in Atlanta could cut their rates by nearly 60% a year by just comparing quotes, but they mistakenly think it's difficult to save money by comparing rate quotes.

Big companies like Allstate, Liberty Mutual and State Farm all claim big savings with catchy ads and it can be hard to sift through the bull and find the best price available.

Consumers should take time to check car insurance prices once or twice a year since prices are rarely the same from one policy term to another. Just because you found the best rates on Chrysler 300 insurance in Atlanta a few years ago you may be paying too much now. Forget all the misinformation about car insurance because you're going to learn how to use online quotes to lower your annual insurance bill.

If you already have coverage, you should be able to find better prices using these tips. Choosing the best rates in Atlanta is quite easy if you know the best way to do it. But Georgia car owners must learn the way insurance companies market on the web because it can help you find the best coverage.

Companies offering Chrysler 300 insurance in Georgia

The providers in the list below offer quotes in Georgia. If more than one company is shown, we recommend you visit two to three different companies to find the most competitive auto insurance rates.

Chrysler 300 Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $348 $662 $406 $24 $122 $1,562 $130
300 Touring Plus 4-Dr Sedan $424 $886 $532 $32 $158 $2,032 $169
300 Touring AWD 4-Dr $382 $720 $394 $24 $118 $1,638 $137
300 S V6 4-Dr Sedan $328 $706 $444 $26 $134 $1,638 $137
300 Touring Signature 4-Dr Sedan $336 $694 $476 $28 $142 $1,676 $140
300 Touring Executive 4-Dr Sedan $310 $598 $532 $32 $158 $1,630 $136
300 Touring Signature AWD 4-Dr $424 $854 $532 $32 $158 $2,000 $167
300 Limited 4-Dr Sedan $328 $688 $370 $22 $110 $1,518 $127
300 C 4-Dr Sedan $374 $800 $476 $28 $142 $1,820 $152
300 S V8 4-Dr Sedan $424 $854 $532 $32 $158 $2,000 $167
300 Limited AWD 4-Dr $328 $680 $444 $26 $134 $1,612 $134
300 C AWD 4-Dr $302 $550 $402 $24 $120 $1,398 $117
300 SRT-8 4-Dr Sedan $204 $450 $444 $26 $134 $1,258 $105
Get Your Own Custom Quote Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific Atlanta garaging location which can affect prices considerably.

Where to set your deductibles

One of the hardest decisions when shopping for car insurance is how high should the physical damage coverage deductibles be. The tables below outline the differences in price when you buy lower versus higher coverage deductibles. The first price estimate table uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Chrysler 300 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
300 Touring Plus 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
300 Touring AWD 4-Dr $344 $604 $394 $24 $118 $1,509 $126
300 S V6 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
300 Touring Signature 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
300 Touring Executive 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
300 Touring Signature AWD 4-Dr $382 $694 $394 $24 $118 $1,637 $136
300 Limited 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
300 C 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
300 S V8 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
300 Limited AWD 4-Dr $382 $694 $394 $24 $118 $1,637 $136
300 C AWD 4-Dr $382 $694 $394 $24 $118 $1,637 $136
300 SRT-8 4-Dr Sedan $382 $694 $394 $24 $118 $1,637 $136
Get Your Own Custom Quote Go
Chrysler 300 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
300 Touring Plus 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
300 Touring AWD 4-Dr $212 $380 $394 $24 $118 $1,128 $94
300 S V6 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
300 Touring Signature 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
300 Touring Executive 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
300 Touring Signature AWD 4-Dr $236 $438 $394 $24 $118 $1,210 $101
300 Limited 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
300 C 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
300 S V8 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
300 Limited AWD 4-Dr $236 $438 $394 $24 $118 $1,210 $101
300 C AWD 4-Dr $236 $438 $394 $24 $118 $1,210 $101
300 SRT-8 4-Dr Sedan $236 $438 $394 $24 $118 $1,210 $101
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in vehicle location which can change price quotes greatly.

Based on the above data, using a $250 deductible costs approximately $33 more each month or $396 a year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 23 months between claim filings, you would probably save some money if you choose a higher deductible.

Insurance rate increases from tickets or accidents

The chart below demonstrates how citations and at-fault claims impact Chrysler 300 insurance prices for each different age group. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Do you need full coverage?

The example below illustrates the comparison of Chrysler 300 insurance prices with and without physical damage coverage. The rate quotes are based on no violations or accidents, $100 deductibles, married male driver, and no additional discounts are factored in.

When to eliminate full coverage

There is no specific rule of when to phase out full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let's say your Chrysler 300 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your deductible. If you are paying more than $600 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few situations where only buying liability is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

You Can Change Your Insurance Premiums

Lots of factors are used when pricing auto insurance. Most are fairly basic like an MVR report, but some are more transparent such as whether you are married and annual miles driven.

The list below includes a partial list of the pieces used by companies to determine your rates.

Employer reflects on rates - Careers such as military personnel, architects and financial analysts tend to have the highest rates attributed to high stress levels and incredibly demanding work hours. Conversely, careers like farmers, engineers and retirees generally pay rates lower than average.

Having a spouse equates to better premiums - Your spouse may earn you lower rates on car insurance. Having a significant other is viewed as being more mature and responsible and statistics show married drivers tend to have fewer serious accidents.

Incidental coverages that aren't used - There are a lot of optional add-on coverages that can add up if you aren't careful. Insurance for things like vanishing deductibles, towing, and extra life insurance coverage may be wasting your money. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.

How your age affects rates - Older insureds are more cautious drivers, file fewer claims, and are generally more financially stable.Young drivers tend to be careless and easily distracted when behind the wheel so they pay higher car insurance rates.

Car plus home equals more savings - Many car insurance companies give better rates to customers that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, consumers should still shop around to help ensure you have the lowest rates. You may still save money by buying from different companies

Alarms and GPS tracking lower prices - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

Car insurance policy lapses increase rates - Not having insurance is a big no-no and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance could result in a steep fine or even jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Georgia DMV.

Insurance loss probability for a Chrysler 300 - Auto insurance companies study historical loss data to calculate a rate that will offset any claims. Vehicles that historically have higher claim frequency or loss amount will have higher premium rates.

The table below outlines the insurance loss data used by companies for Chrysler 300 vehicles. For each type of coverage, the claim probability for all vehicles averaged together equals 100. Numbers that are below 100 suggest a better than average loss history, while numbers that are greater than 100 show a trend for more claims or tendency to have higher losses.

Auto Insurance Loss Data for Chrysler 300 Models

Make and 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
BETTER
AVERAGE
WORSE

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

Earn discounts to get lower-cost Atlanta insurance quotes

Buying insurance is not cheap, but companies offer discounts that many consumers don't even know exist. Many of these discounts will be applied automatically at the time of purchase, but some must be specially asked for before being credited.Insurance discounts

Just know that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way.

Large insurance companies and some of the premium reductions they offer are outlined below.

If you want inexpensive Atlanta car insurance quotes, ask all the companies which discounts you may be entitled to. Discounts may not be available in Atlanta. To see a list of companies that offer the discounts shown above in Atlanta, click here.

When should I contact a local insurance agent?

Some consumers prefer to talk to a local agent and that is recommended in a lot of cases A good thing about comparing insurance prices online is that drivers can save money and get cheaper car insurance rates and also buy local.

Insurance agency in AtlantaOnce you complete this simple form, the coverage information is transmitted to local insurance agents in Atlanta who will give you bids for your business. There is no reason to find an agent on your own because prices are sent to you instantly. It's the lowest rates without a big time investment. If you need to get a rate quote from a specific company, just find their quoting web page and fill out the quote form the provide.

Selecting an company should depend on more than just a cheap price. Before buying a policy in Atlanta, get answers to these questions.

Special considerations

When buying a policy for your personal vehicles, there really is not a best way to insure your cars. Your situation is unique and your auto insurance should be unique as well.Auto insurance savings Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

If you don't know the answers to these questions, you may need to chat with an agent. If you don't have a local agent, complete this form or click here for a list of auto insurance companies in your area.

You can find affordable coverage

You just read some good ideas how to save on Chrysler 300 insurance in Atlanta. It's most important to understand that the more times you quote, the higher your chance of finding the cheapest Chrysler 300 rate quotes. Drivers may even discover the best rates are with some of the lesser-known companies. These companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Progressive and GEICO.

When shopping online for car insurance, it's a bad idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice full coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Lower-priced car insurance in Atlanta can be bought both online in addition to local insurance agencies, so you need to quote Atlanta car insurance with both to have the best rate selection. Some car insurance companies may not have the ability to get quotes online and these smaller providers only sell coverage through independent agents.

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