2011 Chrysler 300 Car Insurance Quotes – 9 Tips for Best Rates

Trying to find better car insurance rates for your Chrysler 300? Expensive car insurance can take a big chunk out of your bank account and force you to make sacrifices. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. With consumers having so many insurance providers from which to choose, it can be diffult for consumers to locate the right company.

Buying car insurance is quite easy. If you have a policy now or are just looking to switch companies, you can follow these tips to cut your premiums while maintaining coverages. Consumers just need to understand the proper methods to compare rates on the web.

Auto Insurance Quote Comparison

Effectively comparing auto insurance prices can take time and effort if you don’t utilize the most efficient way to do it. You could spend the better part of a day driving to insurance agencies in your area, or you could use online quoting to get the quickest rates.

Most major companies participate in a marketplace that allows shoppers to complete one form, and each participating company returns a rated price based on that data. This eliminates the need for quotation requests for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to using this type of form is you can’t choose which carriers you will receive quotes from. If you prefer to choose from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage information with each company. If you compare different limits and deductibles on each one you can’t possibly determine the best price for your Chrysler 300.

Car insurance is unique, just like you

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether or not you will benefit from professional help.

• Does liability extend to a camper or trailer?
• How do I buy GAP insurance?
• Is my ex-spouse still covered by my policy?
• Should I buy additional glass protection?
• At what point should I drop full coverage?
• Am I covered when driving a rental car?
• Do I benefit by insuring my home with the same company?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered if I break a side mirror?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Liability coverage

Liability insurance protects you from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like loss of income, medical expenses, pain and suffering and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your 300 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2011 Chrysler 300.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like hospital visits, dental work, funeral costs, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, rock chips in glass, a broken windshield, a tree branch falling on your vehicle and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.