A recent NerdWallet.com study revealed that over 70% of consumers kept their coverage with the same auto insurance company for at least the last four years, and nearly half have never compared rates to find cheaper insurance. The average driver in Chula Vista could save $469 every year, but they just assume it’s a time-consuming process to go online and compare rates.
To save the most money, the best way to get discount Chrysler 300 insurance in Chula Vista is to regularly compare prices from companies who provide car insurance in California.
- Try to learn about how auto insurance works and the factors you can control to lower rates. Many risk factors that drive up the price like at-fault accidents, careless driving, and a negative credit score can be amended by making minor driving habit or lifestyle changes.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple sources.
- Compare the quotes to your existing coverage and determine if there is any savings. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your current company of your decision to cancel your current coverage. Submit payment along with a signed and completed policy application for the new policy. As soon as you can, keep the new proof of insurance certificate in an easily accessible location in your vehicle.
One important bit of advice is to make sure you’re comparing similar coverage information on every quote and and to get price quotes from as many car insurance companies as possible. This helps ensure a fair rate comparison and a thorough price selection.
If you are already insured, you will be able to get lower rates using the following tips. Choosing the best rates in Chula Vista can be made easier if you know where to look. But California consumers should learn the way insurance companies market on the web and use this information to your advantage.
Save money on Chrysler 300 insurance in Chula Vista with these insurance discounts
Some companies don’t always advertise the complete list of policy discounts very clearly, so the following list contains some of the more common as well as the least known discounts that you can inquire about if you buy Chula Vista auto insurance online.
- Drivers Education – Require your teen driver to enroll and complete driver’s education in school.
- Active Service Discounts – Having a family member in the military could trigger a small discount.
- Resident Student – Children who attend college more than 100 miles from Chula Vista without a vehicle on campus may qualify for this discount.
- Early Switch Discount – Select insurance companies give a discount for switching companies before your current expiration date. You can save around 10% with this discount.
- Homeowners Savings – Owning a house in Chula Vista may earn you a small savings because owning a home means you have a higher level of financial diligence.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
- Discount for Low Mileage – Maintaining low annual mileage could be rewarded with cheaper rates.
- Paperless Signup – Some larger companies will give you a small discount for buying your policy on your computer.
Drivers should understand that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.
The example below illustrates the difference between Chrysler 300 car insurance rates with and without discounts being applied to the rates. The data assumes a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.
A partial list of companies that may include these discounts include:
If you need lower rates, check with each insurance company how many discounts you can get. Depending on the company, some discounts might not be offered in your area. To view companies who offer cheap Chrysler 300 insurance quotes in Chula Vista, follow this link.
Which Chrysler 300 insurance is cheapest in Chula Vista, CA?
To find the best auto insurance rates, there are several ways to obtain and compare prices from many auto insurance companies in California. The best way to lower the rate you pay for Chrysler 300 insurance consists of obtaining rate quotes online.
Doing price comparisons online is so simple that it takes the place of having to call or drive to all the different Chula Vista insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless you prefer the extra assistance only provided by licensed Chula Vista agents. If you prefer, some companies allow you to get the lowest quotes online but have a local agent actually write the policy. When quoting auto insurance, remember that comparing a wide range of rates increases the chance that you will find the best price. Not every company does online Chula Vista 300 insurance quotes, so it’s necessary to compare price estimates from them as well.
The companies shown below provide price quotes in California. If multiple companies are listed, we recommend you visit several of them in order to find the most affordable rates.
Rate information and statistics
The data table displayed below highlights detailed analysis of coverage prices for Chrysler 300 models. Being aware of how insurance prices are figured can benefit drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| 300 Touring Plus 4-Dr Sedan | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| 300 Touring AWD 4-Dr | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| 300 S V6 4-Dr Sedan | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| 300 Touring Signature 4-Dr Sedan | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| 300 Touring Executive 4-Dr Sedan | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| 300 Touring Signature AWD 4-Dr | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| 300 Limited 4-Dr Sedan | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| 300 C 4-Dr Sedan | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| 300 S V8 4-Dr Sedan | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| 300 Limited AWD 4-Dr | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| 300 C AWD 4-Dr | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| 300 SRT-8 4-Dr Sedan | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific location which can change coverage prices significantly.
Where to set your deductibles
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The following tables can help you visualize the difference in cost between low and high comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second set of prices uses a $500 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in your specific Chula Vista location which can change coverage rates considerably.
Based on the above data, using a $250 deductible will cost you roughly $20 more each month or $240 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 13 months between claims, you would probably save some money if you decide on a higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $147 |
| Average monthly premium for $500 deductibles (subtract): | – $127 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $20 |
| 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 deductibles and can influence Chrysler 300 yearly insurance costs for different age groups. The data is based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Cost comparison with and without full coverage
The information below compares Chrysler 300 insurance prices with full coverage and liability only. The information is based on no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are taken into consideration.
Should you pay for full coverage or liability only?
There is no clear-cut formula of when to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Chrysler 300 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after paying your policy deductible. If you are paying over $400 annually for full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where removing full coverage is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Good Decisions Result in Lower Insurance Rates
An important part of buying insurance is that you know a few of the rating criteria that help calculate your car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get much lower annual insurance costs. Many things are taken into consideration when you get a price on insurance. Some are obvious like a motor vehicle report, but other criteria are more obscure like your vehicle usage or your commute time.
- Do safer cars cost less to insure? – Cars with high safety ratings tend to have better insurance rates. Highly rated vehicles reduce occupant injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you. If the Chrysler 300 is rated at a minimum four stars on Safercar.gov you are probably receiving a discount.
- Your location is a factor – Residing in less populated areas of the country can be a good thing when insuring your vehicles. Less people means fewer accidents. City drivers regularly have more road rage incidents and more time behind the wheel. The longer drive time translates into higher accident risk.
- Amount of liability protection – A critical coverage on your policy, liability insurance will provide protection in the event that you are determined to be liable for an accident. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
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Youthful vs. older drivers – Drivers with little experience are statistically proven to be less responsible in a vehicle therefore car insurance rates are much higher. Adding a inexperienced driver to your car insurance policy will cause a huge premium hike. Older, more experienced drivers are more cautious drivers, are lower risk to insure, and tend to be get fewer driving tickets.
The chart below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
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Chrysler 300 insurance claim data – Auto insurance companies take into consideration historical loss data for every vehicle to determine a price that will be profitable for them. Models that statistically have increased losses will cost more for coverage. The table shown below demonstrates the insurance loss data used by companies for Chrysler 300 vehicles.
For each type of coverage, the loss probability for all vehicles averaged together is set at 100. Values that are below 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or larger claims.
Auto 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 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You may need specialized insurance coverage
When it comes to buying adequate coverage, there really is not a perfect coverage plan. Each situation is unique.
For example, these questions could help you determine if your situation will benefit from professional help.
- Am I covered when driving someone else’s vehicle?
- Why do I need rental car insurance?
- Am I covered if I crash into my own garage door?
- Should I buy additional glass protection?
- Who is covered when they drive my Chrysler 300?
- When should I drop full coverage on my Chrysler 300?
- What are the financial responsibility laws in my state?
- Are my tools covered if they get stolen from my vehicle?
- What vehicles should carry emergency assistance coverage?
- How can I get high-risk coverage after a DUI?
If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Compare rates but still have a local Chula Vista insurance agent
Certain consumers would prefer to buy from a local agent and there is nothing wrong with that. The best thing about getting online price quotes is that you can obtain cheap insurance rates and still choose a local agent. Buying from and supporting local insurance agents is important particularly in Chula Vista.
After filling out this short form, your information gets sent to insurance agents in Chula Vista who will give competitive quotes for your insurance coverage. You won’t need to contact an agency since rate quotes are delivered directly to your email. You can find better rates AND an agent nearby. If for some reason you want to get a rate quote from one company in particular, you can always navigate to their website and complete a quote there.
Choose an insurance agent wisely
When researching a reliable insurance agent, it’s important to understand the different types of agents and how they are slightly different. Insurance agencies are either independent (non-exclusive) or exclusive.
Independent Agents
Agents that elect to be independent are not limited to a single company and that allows them to write policies amongst many companies and find the cheapest insurance rates. If they quote lower rates, the business is moved internally and you don’t have to switch agencies. When comparing insurance prices, you will want to compare quotes from independent agents so that you have a good selection of quotes to compare.
Below is a short list of independent agencies in Chula Vista that may be able to give you cheap rate quotes.
Robert Osorio Insurance
513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 – View Map
Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map
California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888 – View Map
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates such as Allstate, State Farm and Farmers Insurance. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. These agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.
Listed below is a short list of exclusive agencies in Chula Vista that are able to give comparison quotes.
Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400 – View Map
Farmers Insurance – Francisco Moreno
2471 Main St #19 – Chula Vista, CA 91911 – (619) 476-1066 – View Map
Farmers Insurance – Walter Harrison
680 Telegraph Canyon Rd #102 – Chula Vista, CA 91910 – (619) 585-3326 – View Map
Finding the right car insurance agent shouldn’t rely on just a cheap price quote. Ask your prospective agent these questions:
- Do the agents have professional certifications like CPCU or CIC?
- Can you get a list of referrals?
- Does the company use OEM repair parts?
- Will you work with the agent or an assistant?
- Are they able to influence company decisions when a claim is filed?
- Do they specialize in personal lines auto insurance in Chula Vista?
- Is there a Errors and Omissions policy in force?
Why do I need car insurance?
Despite the high cost, paying for auto insurance serves a purpose in several ways.
- Almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Chrysler, more than likely the lender will force you to carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Chrysler for a lot more money and force you to pay the higher price.
- Insurance protects both your assets and your Chrysler 300. Insurance will pay for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance are definitely more than the cost, especially for larger claims. But the average driver in California overpays as much as $700 annually so you should quote your policy with other companies each time the policy renews to save money.
Cheap coverage is out there
When searching for low cost Chula Vista auto insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped uninsured motorist or liability limits only to regret at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best cost and still be able to protect your assets.
People who switch companies do it for a number of reasons such as high rates after DUI convictions, denial of a claim, lack of trust in their agent or even being labeled a high risk driver. Whatever your reason, finding a new auto insurance company can be easy and end up saving you some money.
In this article, we covered some good ideas how to find lower-cost Chrysler 300 insurance in Chula Vista. The most important thing to understand is the more you quote Chula Vista auto insurance, the better likelihood of getting affordable Chula Vista auto insurance quotes. Drivers may even discover the best price on auto insurance is with a small local company.
Much more information about auto insurance in California is available at these links:
- Top Signs Your Brakes are Giving Out (State Farm)
- How Much are Auto Insurance Quotes for Lyft Drivers in Chula Vista? (FAQ)
- How Much are Chula Vista Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Who Has the Cheapest Chula Vista Auto Insurance Rates for a 20 Year Old Male? (FAQ)
- Who Has the Cheapest Chula Vista Car Insurance Quotes for a Nissan Altima? (FAQ)
- How Much are Chula Vista Car Insurance Rates for State Employees? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)