Three Easy Steps to Lower Chrysler 300 Insurance Rates
If we enjoyed shopping for car insurance, we'd do it more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding good insurance for your Chrysler 300 probably leaves you feeling the same way.
Step One: Get Insurance Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Now you can compare rates and buy a policy online!
Getting online rate quotes for a Chrysler 300 from all the major insurance companies is very easy and only requires you to enter your information once.
To find affordable coverage for your Chrysler 300, the first step is to click the link below and complete the short form.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Chrysler 300.
Step Two: Techniques to Lower your Chrysler 300 Insurance Rates
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Chrysler 300 insurance rates.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
Step Three: Buy the Best Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If the Chrysler 300 is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. Be sure to have a new policy ready to go if you are buying a new Chrysler 300. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.