Save Money on Chrysler 300 Insurance in El Paso

Insurance for Chrysler 300Astonishing but true according to a recent study, 70% of consumers renewed their policy with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates with other companies. Texas drivers could save up to 70% a year just by shopping around, but they don’t believe the benefits if they switched to a more affordable policy.

If you want to save money, the best way to get discount Chrysler 300 insurance is to regularly compare prices from providers in El Paso. This can be done by following these steps.

First, try to learn a little about how insurance works and the factors you can control to drop your rates. Many rating criteria that are responsible for high rates like at-fault accidents, careless driving, and a poor credit score can be rectified by being financially responsible and driving safely. This article gives instructions to get better rates and earn larger discounts.

Second, request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while independent agents can give you price quotes from multiple insurance companies.

Third, compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.

The most important part of shopping around is to compare identical deductibles and limits on every quote and and to get quotes from as many companies as you can. This enables a level playing field and and a good selection of different prices.

Buying the cheapest insurance in El Paso is much easier if you know where to start. Nearly every person who is required by state law to have insurance will find a better price. Nevertheless, Texas drivers can benefit by having an understanding of the way companies sell insurance online.

When comparing car insurance rates, know that comparing more quotes provides better odds of finding more affordable rates.

The companies shown below provide free quotes in Texas. If the list has multiple companies, we suggest you visit two to three different companies in order to get a fair rate comparison.

Lower-cost El Paso auto insurance rates with discounts

Insuring your fleet can be pricey, but there’s a good chance there are discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but some need to be manually applied prior to receiving the credit.Save money with discounts

Policy discounts save money, but some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will lower the cost of your policy.

The example below compares Chrysler 300 auto insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, multi-policy, marriage, and claim-free discounts applied.

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

If you need affordable El Paso auto insurance quotes, ask every company how you can save money. A few discounts may not be available in your state. To choose insurance companies that offer some of these discounts in El Paso, click here.

Auto insurance analysis for a Chrysler 300

The price information below highlights different insurance prices for Chrysler 300 models. Being more informed about how policy premiums are established can assist in making informed decisions when comparing rates.

Chrysler 300 Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
300 Touring Plus 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
300 Touring AWD 4-Dr $422 $698 $500 $30 $150 $1,800 $150
300 S V6 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
300 Touring Signature 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
300 Touring Executive 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
300 Touring Signature AWD 4-Dr $470 $804 $500 $30 $150 $1,954 $163
300 Limited 4-Dr Sedan $470 $804 $500 $30 $150 $1,954 $163
300 C 4-Dr Sedan $470 $804 $500 $30 $150 $1,954 $163
300 S V8 4-Dr Sedan $470 $804 $500 $30 $150 $1,954 $163
300 Limited AWD 4-Dr $470 $804 $500 $30 $150 $1,954 $163
300 C AWD 4-Dr $470 $804 $500 $30 $150 $1,954 $163
300 SRT-8 4-Dr Sedan $470 $804 $500 $30 $150 $1,954 $163
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can decrease or increase coverage rates noticeably.

Drive safe and save

The diagram below demonstrates how citations and accident claims can influence Chrysler 300 car insurance costs for each age group. The premiums are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Local neighborhood agents and car insurance

A lot of people still prefer to go talk to an agent and doing that can be a smart decision A nice benefit of getting online price quotes is the fact that you can find lower prices but also keep your business local.

El Paso insurance agentsTo help locate an agent, after submitting this short form, the coverage information is emailed to agents in your area that can provide free El Paso auto insurance quotes and help you find cheaper coverage. You won’t even need to leave your computer because prices are sent immediately to your email address. You can find lower rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a particular provider, you would need to find their quoting web page and fill out the quote form the provide.

Finding a good provider should depend on more than just the premium amount. The questions below may impact your decision as well.

If you are searching for a reputable insurance agent or broker, you need to know there are two different types of agents and how they work. Insurance agencies in El Paso are classified as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Exclusive insurance agents have only one company to place business with and examples are Allstate, State Farm and Farm Bureau. Exclusive agents are unable to compare rates from other companies so keep that in mind. Exclusive agents are highly trained on their products and sales techniques which aids in selling service over price.

Shown below are exclusive insurance agencies in El Paso who may provide you with comparison quotes.

6065 Montana Ave STE C1El Paso, TX 79925(915) 775-2553View Map

6351 S Desert Blvd #105El Paso, TX 79932(915) 877-9020View Map

1212 N Yarbrough Dr #105El Paso, TX 79925(915) 591-2288View Map

More insurance agents

Independent Car Insurance Agents

These type of agents are not employed by one company and that allows them to write policies with an assortment of companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier which makes it simple for you. When comparing car insurance prices, you should always compare prices from at a minimum one independent agency to get the most accurate price comparison.

Below is a short list of independent insurance agencies in El Paso that can give you comparison quotes.

7500 Viscount Suite 101El Paso, TX 79925(830) 534-9623View Map

1580 George Dieter Dr #303El Paso, TX 79936(915) 856-6700View Map

1515 Lee Trevino DrEl Paso, TX 79936(915) 590-4099View Map

More insurance agents

Once you have answers to your satisfaction and an affordable coverage quote, most likely you have located an insurance agency that is reputable and can properly insure your vehicles. Just understand that it’s your policy and you can cancel a policy at any point so never feel that you’re stuck with any specific company for a certain time period.

Get Cheap Insurance Premiums by Understanding These Factors

Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but other criteria are less apparent such as your marital status or your commute time.

Where you live factors in – Having an address in less populated areas of the country is a good thing when talking about auto insurance. City drivers have to deal with much more traffic and much longer commute distances. Fewer drivers means fewer accidents in addition to lower liability claims.

Performance impacts insurance premiums – The type of vehicle you are trying to find cheaper insurance for makes a significant difference in your premium level. Small economy passenger cars receive the most favorable rates, but the final cost of insurance is determined by many other factors.

The chart below uses these variables: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Chrysler 300 rates compared to other makes and models that have a range of performance rating factors.

Discounts for married couples – Being married may cut your premiums when buying auto insurance. It may mean you are more mature than a single person and it’s proven that married drivers tend to file fewer claims.

Compare rates if you bundle your policies – Some insurers allow discounts to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to ensure the best deal. Drivers may still find lower rates even if you have your coverage with different companies

Claims statistics for a Chrysler 300 – Companies study historical loss data when setting rates for each model. Vehicles that the data shows to have a trend towards higher claims will have higher rates.

The table below shows the collected loss data for Chrysler 300 vehicles. For each coverage category, the claim amount for all vehicles, as a total average, is a value of 100. Numbers shown that are under 100 indicate better than average losses, while numbers above 100 show a trend for more claims or a tendency for losses to be larger than average.

Chrysler 300 Insurance Loss Statistics
Vehicle 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

Statistics from for 2013-2015 Model Years

Three reasons to not skimp on auto insurance

Despite the fact that auto insurance is not cheap in El Paso, paying for auto insurance is required in Texas but it also protects you in many ways.

The benefits of having auto insurance definitely exceed the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays as much as $810 a year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.

Don’t give up on cheap rates

We just covered a lot of ways to reduce Chrysler 300 insurance prices online in El Paso. The most important thing to understand is the more companies you get rates for, the better likelihood of getting affordable Chrysler 300 insurance quotes. You may even discover the biggest savings come from the smaller companies. They can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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