Want to learn a better way to compare low-cost Chrysler 300 insurance in San Diego? Think you have an underperforming, overpriced auto insurance policy? Trust us when we tell you many San Diego consumers feel financially strained by their auto insurance policy.
Unbelievable but true according to a study nearly 70% of consumers renewed their policy with the same company for at least the last four years, and nearly 40% of drivers have never shopped around. Most drivers in San Diego could save as much as 35% every year just by getting comparison quotes, but they just don’t want to compare rates online.
Many insurance companies vie for your insurance dollar, so it’s not easy to compare every company to get the best rate on Chrysler 300 insurance in San Diego.
Consumers need to do price comparisons quite often since insurance rates are constantly changing. Even if you got the lowest rate on Chrysler 300 insurance in San Diego two years ago there is a good chance you can find better prices now. Ignore everything you know about auto insurance because you’re going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.
To find cheaper prices, there are a couple of ways to compare rate quotes from companies that offer car insurance in California. The easiest way by far to find affordable Chrysler 300 insurance rates is simply to get online rate quotes.
Comparing free rates online is easy and it, takes the place of having to drive around to insurance agencies in your area. Buying insurance online eliminates this option unless you require the professional advice that you can only get from talking to an agent. Drivers can compare the best prices online but purchase the actual policy in an agency.
Just remember that comparing more rates from different companies increases your odds of finding a lower rate. Some insurance companies are not set up to provide San Diego 300 insurance quotes over the internet, so it’s necessary to compare price quotes from the smaller companies as well.
The companies shown below are ready to provide quotes in San Diego, CA. If multiple companies are listed, we suggest you visit as many as you can to get the cheapest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 300 Touring Plus 4-Dr Sedan | $296 | $562 | $416 | $24 | $124 | $1,422 | $119 |
| 300 Touring AWD 4-Dr | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| 300 S V6 4-Dr Sedan | $428 | $834 | $596 | $36 | $178 | $2,072 | $173 |
| 300 Touring Signature 4-Dr Sedan | $242 | $454 | $416 | $24 | $124 | $1,260 | $105 |
| 300 Touring Executive 4-Dr Sedan | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| 300 Touring Signature AWD 4-Dr | $412 | $912 | $500 | $30 | $150 | $2,004 | $167 |
| 300 Limited 4-Dr Sedan | $342 | $724 | $534 | $32 | $160 | $1,792 | $149 |
| 300 C 4-Dr Sedan | $412 | $912 | $464 | $28 | $138 | $1,954 | $163 |
| 300 S V8 4-Dr Sedan | $436 | $856 | $456 | $26 | $136 | $1,910 | $159 |
| 300 Limited AWD 4-Dr | $204 | $408 | $416 | $24 | $124 | $1,176 | $98 |
| 300 C AWD 4-Dr | $390 | $718 | $456 | $26 | $136 | $1,726 | $144 |
| 300 SRT-8 4-Dr Sedan | $372 | $792 | $424 | $26 | $126 | $1,740 | $145 |
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in San Diego location which can impact premium rates greatly.
Full coverage or liability only
The example below examines Chrysler 300 yearly insurance costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or violations, $500 deductibles, married male driver, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no specific rule that is best for determining when to drop full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Chrysler 300 book value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your deductible. If you are paying more than $500 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some situations where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Car insurance discounts are available to cut your rates
Car insurance is neither fun to buy or cheap, but you might be missing out on some discounts to reduce the price significantly. Certain credits will be shown when you quote, but some need to be specifically requested prior to receiving the credit.
- Air Bags and Passive Restraints – Options like air bags can receive discounts of 20 to 30 percent.
- Multiple Cars – Buying insurance for several vehicles on a single policy may reduce the rate for each vehicle.
- Telematics Data Discounts – Drivers who elect to allow their company to monitor vehicle usage by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they have good driving habits.
- Payment Discounts – By paying your policy upfront rather than spreading payments over time you may reduce your total bill.
- Anti-lock Brake Discount – Cars with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
- Bundle and Save – If you combine your home and auto policies and insure them both with the same insurance company they may give you a discount of up to 20% and get you the cheapest Chrysler 300 insurance in San Diego.
As is typical with insurance, most credits do not apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will bring down your overall bill.
Larger car insurance companies and some of the discounts can be found below.
- State Farm discounts include good driver, good student, multiple autos, passive restraint, accident-free, multiple policy, and Steer Clear safe driver discount.
- American Family offers discounts for mySafetyValet, good driver, bundled insurance, accident-free, defensive driver, and early bird.
- GEICO may include discounts for multi-policy, emergency military deployment, multi-vehicle, defensive driver, federal employee, driver training, and good student.
- 21st Century has discounts for air bags, automatic seat belts, student driver, anti-lock brakes, and theft prevention.
- Progressive has savings for multi-vehicle, online quote discount, multi-policy, homeowner, online signing, and continuous coverage.
If you are trying to find low cost San Diego car insurance quotes, ask all the companies what discounts are available to you. Depending on the company, some discounts might not apply in San Diego.
Protect more than your Chrysler vehicle
Despite the high cost of buying insurance for a Chrysler 300 in San Diego, auto insurance may be required for several reasons.
First, almost all states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability protection in order to be legal. 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.
Second, if you have a loan on your vehicle, more than likely the lender will require that you buy full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Chrysler at an extremely high rate and require you to fork over the higher price.
Third, auto insurance preserves both your assets and your Chrysler. It will also pay for medical bills that are the result of an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is wasting up to $825 a year so we recommend shopping around every year to be sure current rates are still competitive.
Get rate quotes but buy from a local San Diego insurance agency
A small number of people just prefer to get professional advice from a licensed agent and that is OK! An additional benefit of comparing rates online is you may find cheaper rates but also keep your business local. Buying from and supporting neighborhood agents is important particularly in San Diego.
After completing this short form, your insurance coverage information is immediately sent to companies in San Diego that can provide free San Diego car insurance quotes to get your business. You never need to visit any agencies due to the fact that quote results will go instantly to you. It’s the lowest rates AND a local agent. If you wish to get a comparison quote for a specific company, feel free to find their quoting web page and fill out the quote form the provide.
If you are searching for an insurance agent, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Car insurance agents can be categorized as either independent or exclusive.
Independent Agencies or Brokers
Agents in the independent channel are not limited to a single company and that is an advantage because they can write policies through many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier which is easy for the insured.
When comparing rate quotes, you absolutely need to contact at a minimum one independent agency for maximum quote selection.
Featured below is a small list of independent insurance agencies in San Diego that may be able to give price quotes.
Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map
Curtis Moring Insurance Agency Inc.
5425 Oberlin Dr #201 – San Diego, CA 92121 – (619) 718-7578 – View Map
Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 – View Map
Exclusive Insurance Agents
Exclusive agencies write business for a single company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide other company’s prices so keep that in mind. Exclusive agents are very knowledgeable on the products they sell which aids in selling service over price.
The following is a list of exclusive agencies in San Diego that are able to give price quote information.
Allstate Insurance: PGC Insurance Agency
6919 Paradise Valley Rd, # A9 – San Diego, CA 92139 – (619) 773-2300 – View Map
Val Myers – State Farm Insurance Agent
12925 El Camino Real, Ste J26 – San Diego, CA 92130 – (858) 481-0401 – View Map
Fred Shadlow – State Farm Insurance Agent
7332 Casper Dr – San Diego, CA 92119 – (619) 464-4261 – View Map
Finding the right auto insurance agent requires more thought than just the quoted price. These questions are important to ask:
- Are aftermarket or OEM parts used to repair vehicles?
- Are they properly licensed to sell insurance in California?
- How much can you save by raising your physical damage deductibles?
- Do they have designations such as AIC, CPCU, or CIC?
- Are they able to influence company decisions when a claim is filed?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
If you get good answers for all questions you ask and inexpensive Chrysler 300 insurance in San Diego quotes, it’s a good possibility that you have found an auto insurance agent that can properly service your car insurance policy. Just keep in mind you can always cancel coverage whenever you wish so don’t think you’re contractually obligated to a policy for any length of time.