Save on Chrysler 300 Insurance in Columbus

Insurance rates Chrysler 300 in ColumbusWant more competitive Chrysler 300 insurance in Columbus? Are you overwhelmed by the number of car insurance choices available to you? Ohio drivers have such a vast assortment of choices available that it can easily turn into hard work to locate the lowest premium rates for Chrysler 300 insurance in Columbus. Lots of people think Columbus has lots to offer, but high car insurance rates can make it very difficult to make ends meet.

How to buy discount Chrysler 300 insurance in Columbus

The most effective way to find lower priced auto insurance rates is to compare quotes annually from providers in Columbus. Rates can be compared by completing these steps.

  1. Try to learn about the coverage provided by your policy and the things you can change to prevent rate increases. Many things that cause high rates like high-risk driving behaviors and a not-so-good credit rating can be improved by paying attention to minor details. Read the full article for more ideas to help keep prices low and get discounts that may be available to you.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can quote prices for many different companies.
  3. Compare the new rate quotes to your existing policy to see if cheaper 300 coverage is available. If you find better rates 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 to make sure you enter identical limits and deductibles on each quote and and to look at as many companies as possible. Doing this provides the most accurate price comparison and maximum price selection.

Surprisingly, a recent survey revealed that over 70% of consumers have stayed with the same insurance company for four years or more, and nearly the majority have never compared rates with other companies. U.S. drivers could save $850 a year just by comparing rates, but most tend to underestimate the benefits if they switched.

Finding the cheapest coverage in Columbus is actually quite easy if you know where to start. Just about every person who is looking for a better price on insurance should find a better price. Nevertheless, Ohio vehicle owners must understand the methods companies use to calculate their prices because rates fluctuate considerably.

All major auto insurance companies allow consumers to get prices for coverage from their websites. Getting quotes for Chrysler 300 insurance in Columbus is pretty easy because it’s just a matter of typing in your coverage information on the page. Behind the scenes, their quoting system makes automated requests for your driving and credit reports and returns a price quote based on many factors.

Getting online rate quotes for Chrysler 300 insurance in Columbus makes it a lot easier to compare rates and it’s also necessary to do this if you want to get a better rate.

To use this form to compare rates, take a look at the companies shown below. If you currently have coverage, we recommend you duplicate the insurance coverages identical to your current policy. Using the same limits helps guarantee you will have rate comparison quotes based on identical coverages.

The companies shown below have been selected to offer quotes in Columbus, OH. If several companies are displayed, we suggest you compare several of them to get the best price comparison.

Chrysler 300 insurance coverage information

The price information shown below outlines estimates of rate quotes for Chrysler 300 models. Learning more about how insurance policy rates are determined can help guide drivers when making smart choices when buying a policy.

Chrysler 300 Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $226 $348 $298 $18 $88 $978 $82
300 Touring Plus 4-Dr Sedan $226 $348 $298 $18 $88 $978 $82
300 Touring AWD 4-Dr $226 $348 $298 $18 $88 $978 $82
300 S V6 4-Dr Sedan $226 $348 $298 $18 $88 $978 $82
300 Touring Signature 4-Dr Sedan $226 $348 $298 $18 $88 $978 $82
300 Touring Executive 4-Dr Sedan $226 $348 $298 $18 $88 $978 $82
300 Touring Signature AWD 4-Dr $252 $400 $298 $18 $88 $1,056 $88
300 Limited 4-Dr Sedan $252 $400 $298 $18 $88 $1,056 $88
300 C 4-Dr Sedan $252 $400 $298 $18 $88 $1,056 $88
300 S V8 4-Dr Sedan $252 $400 $298 $18 $88 $1,056 $88
300 Limited AWD 4-Dr $252 $400 $298 $18 $88 $1,056 $88
300 C AWD 4-Dr $252 $400 $298 $18 $88 $1,056 $88
300 SRT-8 4-Dr Sedan $252 $400 $298 $18 $88 $1,056 $88
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in zip code location which can change auto insurance rates considerably.

The example below illustrates how choosing a deductible and can affect Chrysler 300 insurance rates for each age group. The premiums are based on a married male driver, full coverage, and no discounts are applied to the premium.

Impact of careless driving on insurance rates

The information below highlights how traffic violations and at-fault accidents can influence Chrysler 300 auto insurance rates for different age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Chrysler 300 insurance costs by age and gender

The diagram below illustrates the difference between Chrysler 300 annual premium costs for male and female drivers. The data assumes no claims or violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Decisions You Make Can Impact Your Insurance Premiums

Many different elements are part of the equation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although some other factors are not quite as obvious like your continuous coverage or your commute time. When buying auto insurance it’s important to understand some of the factors that play a part in calculating the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can help you get cheaper rates.

Raise coverage deductibles and save – Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, collision with a deer, or theft of your vehicle. The more of the claim you’re willing to pay, the bigger discount you will receive.

Compare rates if you consolidate your policies – Most auto insurance companies will give discounts to buyers who have multiple policies with them, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even though this discount sounds good, drivers will still want to compare other Columbus 300 insurance rates to verify if the discount is saving money.

Lower premiums with continuous auto insurance coverage – Having a lapse in insurance coverage will be a guaranteed way to increase your rates. In addition to paying higher premiums, the inability to provide proof of insurance could result in fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Ohio department of motor vehicles.

Poor credit can mean higher rates – An insured’s credit history is a large factor in determining premium rates. So if your credit rating is low, you could be paying less to insure your Chrysler 300 if you improve your credit rating. People that have very high credit ratings tend to be better drivers and file fewer claims than those with worse credit.

Youthful drivers cost more – Young drivers in Ohio have been known to be careless and easily distracted in a vehicle so auto insurance rates are higher. Having to add a inexperienced driver onto a policy can be quite pricey. Older drivers are more responsible, tend to cause fewer accidents, and are generally more financially stable.

The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Vehicle theft costs us all – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.

Don’t skimp on liability protection – A critical coverage on your policy, liability insurance will afford coverage in the event that you are found liable for damages from an accident. Your liability coverage provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.

Safer vehicles mean better rates – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and thus lower rates.

Chrysler 300 insurance loss probability – Insurance companies use past loss statistics for each vehicle in order to profitably underwrite each model. Models that have higher claim frequency or loss amount will have higher premium rates. The information below illustrates the historical insurance loss data for Chrysler 300 vehicles.

For each policy coverage, the statistical loss for all vehicles, as a total average, is a value of 100. Percentages below 100 are indicative of better than average losses, while numbers above 100 indicate more frequent claims or a tendency for claims to be larger.

Chrysler 300 Insurance Loss Statistics
Make and 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

Car insurance protects more than just your car

Even though it’s not necessarily cheap to insure a Chrysler in Columbus, paying for car insurance serves a purpose in several ways.

First, almost all states have mandatory insurance requirements which means state laws require a specific level of liability protection in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your 300 has a lienholder, it’s guaranteed your bank will stipulate that you buy insurance to protect their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Chrysler at a much higher rate and force you to reimburse them a much higher amount than you were paying before.

Third, car insurance preserves not only your Chrysler 300 but also your financial assets. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of insuring your car definitely exceed the price paid, especially for larger claims. Today the average American driver is wasting up to $800 each year so it’s recommended you shop around once a year at a minimum to ensure rates are inline.