Would you like to find the cheapest Chrysler 300 insurance in San Jose? Nobody that owns a car fancies paying their premiums for car insurance, especially knowing it costs too dang much.
It’s safe to assume that car insurance companies want to keep you from comparing prices. People who shop around for better prices are inclined to buy a different policy because there is a high probability of finding lower rate quotes. A study showed that people who faithfully checked for cheaper rates saved as much as $860 a year compared to other drivers who never compared rates.
If finding budget-friendly Chrysler 300 insurance is your ultimate target, then learning about the best way to compare insurance rates can save time and money.
Steps to finding low-cost rates for Chrysler 300 insurance in San Jose
The best way to get more affordable Chrysler 300 insurance is to compare prices annually from providers who sell auto insurance in San Jose. Rate comparisons can be done by following these guidelines.
Step 1: Take a little time to learn about how insurance works and the changes you can make to keep rates low. Many policy risk factors that result in higher prices such as traffic tickets, fender benders, and your credit history can be improved by making lifestyle changes or driving safer.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple companies.
Step 3: Compare the new rates to your existing rates and see if there is a cheaper rate. If you find a better price and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
One piece of advice is that you use identical deductibles and limits on every price quote and and to compare as many different companies as possible. This ensures an accurate price comparison and a complete price analysis.
Due to the increasing number of choices of insurance companies that have lower-cost insurance for a Chrysler 300 in San Jose, it can be impossible to pick the right insurer.
All major auto insurance companies such as Progressive, Allstate and GEICO allow you to get prices for coverage online. This process is fairly simple as you simply enter your coverage preferences into the quote form. Once you submit the form, their rating system gets credit information and your driving record and returns a price based on the information you submitted. Quoting online for Chrysler 300 insurance in San Jose streamlines rate comparisons, and it’s absolutely necessary to do this if you want to get the lowest payment possible.
To find out how much you’re overpaying now, compare quotes from the companies shown below. If you currently have coverage, we recommend you type in your coverages identical to your current policy. This guarantees you’re receiving a price comparison based on similar coverages.
The companies shown below offer quotes in California. If multiple companies are shown, it’s highly recommended you click on several of them to get the best price comparison.
Auto insurance statistics for a Chrysler 300
The price information displayed below covers detailed analysis of insurance rates for Chrysler 300 models. Having a good grasp of how auto insurance premiums are determined can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| 300 Touring Plus 4-Dr Sedan | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| 300 Touring AWD 4-Dr | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| 300 S V6 4-Dr Sedan | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| 300 Touring Signature 4-Dr Sedan | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| 300 Touring Executive 4-Dr Sedan | $186 | $362 | $424 | $26 | $126 | $1,124 | $94 |
| 300 Touring Signature AWD 4-Dr | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| 300 Limited 4-Dr Sedan | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| 300 C 4-Dr Sedan | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| 300 S V8 4-Dr Sedan | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| 300 Limited AWD 4-Dr | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| 300 C AWD 4-Dr | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| 300 SRT-8 4-Dr Sedan | $206 | $418 | $424 | $26 | $126 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in San Jose location which can lower or raise rates considerably.
Where to set your deductibles
The hardest decision when buying coverage is which deductibles should you choose. The comparisons below may aid in understanding the price difference between low and high insurance deductibles. The first rate comparisons uses a $250 physical damage deductible 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 | $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 | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in your specific San Jose location which can influence premium rates substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $20 more each month or $240 a year averaged for all 300 models than requesting the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 13 months between claim filings, you would most likely save money by selecting a higher deductible.
The information below demonstrates how deductibles and can affect Chrysler 300 annual premium costs for each different age category. The premiums are based on a single male driver, full coverage, and no discounts are factored in.
Gender-based auto insurance rates in San Jose
The information below visualizes the comparison of Chrysler 300 auto insurance rates for male and female drivers. The premiums are based on no violations or claims, full coverage, $100 deductibles, single status, and no discounts are applied.
Score discounts on San Jose insurance
Not many people think insurance is cheap, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but a few must be requested specifically prior to getting the savings.
- Defensive Driving Course – Taking a course that instructs on driving safety may get you a small discount if your company offers it.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. It’s a savings of about 10%.
- Discounts for Multiple Vehicles – Buying insurance for more than one vehicle on a single policy could earn a price break for each car.
- Organization Discounts – Participating in qualifying employment or professional organizations can get you a small discount when shopping for insurance.
- Paper-free Discount – A handful of insurance companies may give you up to $50 for buying your policy on your computer.
- Student Discounts – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
- Student Driver Training – Require your teen driver to successfully take a driver’s education course if it’s offered in school.
- No Charge for an Accident – Not really a discount, but a handful of insurance companies permit an accident without getting socked with a rate hike if you are claim-free for a certain period of time.
- Telematics Data Discounts – Drivers that enable driving data collection to scrutinize their driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
As a sidenote, many deductions do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Despite the appearance that you can get free auto insurance, insurance companies aren’t that generous. But all discounts will reduce your policy cost.
The illustration below illustrates the comparison of Chrysler 300 car insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, multi-car, and homeowner discounts applied.
Large insurance companies and their possible discounts are outlined below.
- GEICO may offer discounts for federal employee, air bags, anti-theft, good student, membership and employees, seat belt use, and driver training.
- MetLife has savings for multi-policy, good driver, claim-free, defensive driver, good student, and accident-free.
- State Farm has discounts for multiple policy, defensive driving training, accident-free, passive restraint, and anti-theft.
- Progressive may have discounts that include online quote discount, homeowner, multi-vehicle, good student, multi-policy, and online signing.
- Mercury Insurance offers discounts including ease of repair, good student, multi-car, good driver, age of vehicle, anti-theft, and multi-policy.
- 21st Century policyholders can earn discounts including teen driver, homeowners, driver training, automatic seat belts, and early bird.
- Allstate discounts include EZ pay plan discount, eSmart discount, anti-lock brakes, auto/life discount, and resident student.
When getting a coverage quote, ask all the companies what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies everywhere. For a list of insurers that provide some of the discounts listed above in San Jose, click here to view.
Auto insurance is not optional but you don’t have to overpay
Despite the fact that auto insurance is not cheap in San Jose, buying auto insurance is mandatory in California but it also protects more than you think.
- Just about all states have minimum liability requirements which means you are required to carry a minimum amount of liability insurance in order to license the vehicle. 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 300, most lenders will make it a condition of the loan that you have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Chrysler at a more expensive rate and force you to pay for the expensive policy.
- Auto insurance protects both your Chrysler and your personal assets. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance definitely exceed the cost, especially if you ever need it. According to a 2015 survey, the average American driver is wasting up to $825 a year so you should quote your policy with other companies at least once a year to help ensure money is not being wasted.
How to know if you need help
When selecting adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply.
Here are some questions about coverages that might help in determining if you might need an agent’s assistance.
- Do I need to file an SR-22 for a DUI in California?
- When would I need additional glass coverage?
- If I drive on a suspended license am I covered?
- Can my teen driver be rated on a liability-only vehicle?
- Does low annual mileage earn a discount?
- How long can I keep a teen driver on my policy?
- Does my policy cover me if I wreck while driving under the influence?
- Should I carry comprehensive and collision coverage?
- Should I sign the liability waiver when renting a car?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier
Do I need an agent?
Some consumers prefer to talk to an insurance agent and doing so can bring peace of mind The best thing about comparing insurance prices online is that you can find cheap rate quotes but still work with a licensed agent. And providing support for local agents is still important in San Jose.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to companies in San Jose who will gladly provide quotes for your business. You won’t need to contact any insurance agencies due to the fact that quote results will go directly to your email. You’ll get the best rates and a licensed agent to talk to. If you wish to get a price quote from a specific insurance provider, you would need to find their quoting web page and submit a quote form there.
Choosing a insurance company should depend on more than just the bottom line cost. Get answers to these questions too.
- Do they have a Better Business Bureau rating in San Jose?
- Which insurance companies are they affiliated with?
- How much experience to they have in personal lines coverages?
- Who is covered by the car insurance policy?
- When do they do policy reviews?
- Are claim adjusters local or do you have to take your car somewhere else?
- Can you use your own choice of collision repair facility?
Coverages available on your insurance policy
Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.
Coverage for liability
This coverage protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 15/30/5 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability coverage protects against things like attorney fees, emergency aid, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing more coverage.
The next chart shows why buying minimum limits may not be enough.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for dental work, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Coverage for collisions
This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible on your 300 to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like theft, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chrysler 300.
Since many California drivers have only the minimum liability required by law (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.