2009 Chrysler 300 Car Insurance Quotes – 10 Discounts for Cheaper Rates

Buying low-cost insurance coverage over the internet can seem to be difficult for consumers not familiar with shopping for insurance online. With so many companies in the marketplace, how can consumers even start to compare every company to locate the best available rates?

Vehicle Insurance Comparison

There are a variety of methods to compare 2009 Chrysler 300 auto insurance prices but some are easier and takes less work. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

The majority of car insurance companies participate in an industry program where insurance shoppers send in one quote, and each company provides a quote based on the submitted data. This prevents consumers from doing quote forms for every auto insurance company.

To find out what other companies charge for 2009 Chrysler 300 insurance click here to start a free quote.

The only drawback to using this type of system is you can’t choose the companies to get quotes from. So if you prefer to pick specific insurance companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverages and limits for every quote you compare. If you use different values for each quote it’s not possible to determine which rate is truly the best. Having just a slight variation in insurance coverages could mean much higher rates. Keep in mind that obtaining a wide range of quotes will enable you to find the best offered rates.

Don’t overlook these ten discounts

Car insurance companies do not list all their discounts in a way that’s easy to find, so we researched some of the best known and the more hidden savings tricks you should be using.

  • Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Low Mileage Discounts – Fewer annual miles on your Chrysler could be rewarded with a substantially lower rate.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on 300 coverage depending on your company.
  • One Accident Forgiven – A few companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Defensive Driver – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

A partial list of companies who might offer these discounts may include but are not limited to:

Check with each company how you can save money. Discounts may not be available in your state.

Is my situation unique?

When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Are my friends covered when driving my 2009 Chrysler 300?
  • How much liability do I need to cover my assets?
  • At what point should I drop full coverage?
  • Should I waive the damage coverage when renting a car?
  • Is rental equipment covered for theft or damage?
  • Should I have a commercial auto policy?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Can you really save $411 a year?

Progressive, Allstate and Geico consistently run ads on TV and radio. All the companies have a common claim about savings if you change your policy. How does each company claim to save you money?

All companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save when switching.

Consumers who don’t measure up to the requirements will have to pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully advertise the savings. Because of the profiling, drivers should compare many company’s rates. It’s not possible to predict the company that will have the lowest Chrysler 300 insurance rates.

Detailed coverages of your insurance policy

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses like rehabilitation expenses, dental work, nursing services and doctor visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a bird, a broken windshield, hail damage and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chrysler 300.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision coverages – Collision coverage will pay to fix damage to your 300 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, crashing into a ditch, backing into a parked car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Take this to the bank

You just learned many tips how you can compare 2009 Chrysler 300 insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Drivers may discover the most savings is with an unexpected company.

Discount insurance is definitely available both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer online quoting and these smaller companies work with independent agents.

Consumers change insurance companies for a number of reasons such as high prices, high rates after DUI convictions, unfair underwriting practices and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company can be less work than you think.

More information is available on the following sites: