Best Ways to Save on Mesa Chrysler 300 Insurance

Discount Chrysler 300 insuranceA recent car insurance study revealed that most car insurance customers kept their policy with the same company for at least four years, and just short of a majority have never shopped around. Many consumers in Arizona could save roughly $700 every year, but they mistakenly think it’s difficult to compare rate quotes online.

The easiest way to get more affordable auto insurance rates is to begin comparing prices regularly from providers who can sell car insurance in Mesa. You can shop around by following these guidelines.

An important bit of advice to remember is that you’ll want to make sure you compare identical coverage information on each quote request and and to get rate quotes from as many different insurance providers as possible. Doing this enables an accurate price comparison and the best price quote selection.

If you are insured now or just want to reduce your rates, use these cost-cutting techniques to lower your rates and still get good coverage. Choosing the best insurance company for you in Mesa can be made easier if you know where to look. You only need an understanding of the most efficient way to compare rate quotes from many different companies.

Chrysler 300 insurance coverage information

The price information shown below highlights a range of policy rates for Chrysler 300 models. Knowing how insurance policy premiums are determined can be valuable when making decisions when shopping around.


Chrysler 300 Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $332 $548 $392 $24 $118 $1,414 $118
300 Touring Plus 4-Dr Sedan $332 $548 $392 $24 $118 $1,414 $118
300 Touring AWD 4-Dr $332 $548 $392 $24 $118 $1,414 $118
300 S V6 4-Dr Sedan $332 $548 $392 $24 $118 $1,414 $118
300 Touring Signature 4-Dr Sedan $332 $548 $392 $24 $118 $1,414 $118
300 Touring Executive 4-Dr Sedan $332 $548 $392 $24 $118 $1,414 $118
300 Touring Signature AWD 4-Dr $370 $632 $392 $24 $118 $1,536 $128
300 Limited 4-Dr Sedan $370 $632 $392 $24 $118 $1,536 $128
300 C 4-Dr Sedan $370 $632 $392 $24 $118 $1,536 $128
300 S V8 4-Dr Sedan $370 $632 $392 $24 $118 $1,536 $128
300 Limited AWD 4-Dr $370 $632 $392 $24 $118 $1,536 $128
300 C AWD 4-Dr $370 $632 $392 $24 $118 $1,536 $128
300 SRT-8 4-Dr Sedan $370 $632 $392 $24 $118 $1,536 $128
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific location which can lower or raise premium rates considerably.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is how high should your deductibles be. The rates below can help you understand the premium difference of buying low and high insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.


Chrysler 300 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
300 Touring Plus 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
300 Touring AWD 4-Dr $262 $460 $300 $18 $90 $1,155 $96
300 S V6 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
300 Touring Signature 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
300 Touring Executive 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
300 Touring Signature AWD 4-Dr $292 $530 $300 $18 $90 $1,255 $105
300 Limited 4-Dr Sedan $292 $530 $300 $18 $90 $1,255 $105
300 C 4-Dr Sedan $292 $530 $300 $18 $90 $1,255 $105
300 S V8 4-Dr Sedan $292 $530 $300 $18 $90 $1,255 $105
300 Limited AWD 4-Dr $292 $530 $300 $18 $90 $1,255 $105
300 C AWD 4-Dr $292 $530 $300 $18 $90 $1,255 $105
300 SRT-8 4-Dr Sedan $292 $530 $300 $18 $90 $1,255 $105
Get Your Own Custom Quote Go

Chrysler 300 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
300 Touring Plus 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
300 Touring AWD 4-Dr $212 $370 $300 $18 $90 $990 $83
300 S V6 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
300 Touring Signature 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
300 Touring Executive 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
300 Touring Signature AWD 4-Dr $236 $428 $300 $18 $90 $1,072 $89
300 Limited 4-Dr Sedan $236 $428 $300 $18 $90 $1,072 $89
300 C 4-Dr Sedan $236 $428 $300 $18 $90 $1,072 $89
300 S V8 4-Dr Sedan $236 $428 $300 $18 $90 $1,072 $89
300 Limited AWD 4-Dr $236 $428 $300 $18 $90 $1,072 $89
300 C AWD 4-Dr $236 $428 $300 $18 $90 $1,072 $89
300 SRT-8 4-Dr Sedan $236 $428 $300 $18 $90 $1,072 $89
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in specific location which can alter auto insurance rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $15 more each month or $180 annually than selecting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 17 months between claim filings, you would probably come out ahead if you decide on a higher deductible. The numbers below show how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $86
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that raising deductibles to save money means you will have to pay more of your own money when you have a physical damage claim. That will force you to have enough savings in the event you have to pay the higher deductible in order to repair your vehicle.

The illustration below shows how different deductible levels and can impact Chrysler 300 premium costs for each age group. The prices are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Impact of careless driving on auto insurance rates

The information below demonstrates how traffic citations and at-fault fender-benders influence Chrysler 300 insurance premiums for different age groups. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The illustration below visualizes the comparison of Chrysler 300 auto insurance rates with full coverage and liability only. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no additional discounts are factored in.

When to stop buying physical damage coverage

There isn’t a steadfast formula for dropping full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s assume your Chrysler 300 replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after the deductible is paid. If it’s costing in excess of $500 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some cases where removing full coverage is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not drop full coverage.

Why Informed Drivers Pay Less for Chrysler 300 Insurance

It’s important that you understand the different types of things that go into determining the rates you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find better auto insurance rates.

What is the best auto insurance company in Mesa?

Finding the best company can be challenging considering how many companies provide coverage in Mesa. The rank data shown next could help you analyze which providers to look at comparing rate quotes with.

Top 10 Mesa Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. GEICO
  5. Liberty Mutual
  6. Progressive
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Top 10 Mesa Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Cover all your bases

Lower-priced Chrysler 300 insurance in Mesa is attainable on the web and from local agencies, so get free Mesa car insurance quotes from both of them to have the best chance of lowering rates. A few companies don’t offer online price quotes and many times these small insurance companies provide coverage only through independent insurance agencies.

You just read many ideas to reduce Chrysler 300 insurance rates online in Mesa. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a lesser-known regional company. Smaller companies may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.

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