Are you sick of overpaying and want more competitive Chrysler 300 insurance in Phoenix? If you’re new to shopping for Phoenix car insurance quotes online, by this point your are probably bewildered by the vast assortment of online companies that all promise the best rates for Chrysler 300 insurance in Phoenix.
It’s astonishing, but the vast majority of drivers have bought insurance from the same company for at least the last four years, and 38% of drivers have never compared rates to find cheap insurance. The average driver in Arizona could save $733 each year by just comparing quotes, but they just feel it’s too hard to do a rate comparison.
It’s a good idea to shop coverage around as often as possible because insurance prices are constantly changing. Even if you got the best deal on Chrysler 300 insurance in Phoenix six months ago a different company probably has better premium rates today. You’ll find a ton of advice on 300 insurance out there, but by reading this article, you’re going to learn some of the best ways to lower your insurance bill.
The easiest way to compare insurance rates from multiple companies is to know the fact most of the bigger providers participate in online systems to compare their rates. The only thing you need to do is give them some information like types of safety features, if the vehicle is leased, your general credit rating, and whether you are single or married. That information is then submitted to multiple companies and they return cost estimate immediately.
To get price quotes for your car now, click here and see if a lower rate is available in Phoenix.
The providers in the list below are our best choices to provide price quotes in Phoenix, AZ. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.
| 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 | $280 | $620 | $390 | $24 | $116 | $1,430 | $119 |
| 300 Touring AWD 4-Dr | $206 | $364 | $306 | $18 | $92 | $986 | $82 |
| 300 S V6 4-Dr Sedan | $264 | $506 | $308 | $18 | $92 | $1,188 | $99 |
| 300 Touring Signature 4-Dr Sedan | $202 | $382 | $282 | $16 | $84 | $966 | $81 |
| 300 Touring Executive 4-Dr Sedan | $238 | $424 | $308 | $18 | $92 | $1,080 | $90 |
| 300 Touring Signature AWD 4-Dr | $324 | $652 | $404 | $24 | $122 | $1,526 | $127 |
| 300 Limited 4-Dr Sedan | $286 | $608 | $362 | $22 | $108 | $1,386 | $116 |
| 300 C 4-Dr Sedan | $250 | $518 | $338 | $20 | $102 | $1,228 | $102 |
| 300 S V8 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 300 Limited AWD 4-Dr | $154 | $344 | $338 | $20 | $102 | $958 | $80 |
| 300 C AWD 4-Dr | $324 | $652 | $404 | $24 | $122 | $1,526 | $127 |
| 300 SRT-8 4-Dr Sedan | $200 | $410 | $404 | $24 | $122 | $1,160 | $97 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific garaging location which can lower or raise prices considerably.
Deductible comparison
The example below illustrates how your deductible choice and can increase or decrease Chrysler 300 insurance prices for different insured age categories. The premiums are based on a married male driver, full coverage, and no discounts are applied.
Raise deductibles and save
When shopping for auto insurance, a common question is where to set your physical damage deductibles. The rates shown below can help show the difference in cost of buying low and high comp and collision deductibles. The first rate table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| 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 | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 300 Touring Plus 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 300 Touring AWD 4-Dr | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 300 S V6 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 300 Touring Signature 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 300 Touring Executive 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 300 Touring Signature AWD 4-Dr | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 300 Limited 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 300 C 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 300 S V8 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 300 Limited AWD 4-Dr | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 300 C AWD 4-Dr | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 300 SRT-8 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 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 safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can increase or decrease price quotes substantially.
Based on the data above, we can derive that using a $250 deductible will cost you approximately $26 more each month or $312 a year than selecting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 29 months between claims, you would probably be better off if you decide on a higher deductible.
Comparison of auto insurance rates by gender and age in Phoenix
The chart below shows the comparison of Chrysler 300 yearly insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Discounts can help lower premiums on Chrysler 300 insurance in Phoenix
Some insurers do not list all their discounts in a way that’s easy to find, so the following list contains a few of the more common and also the more inconspicuous credits available to bring down your rates.
- No Accidents – Insureds with no claims or accidents can earn big discounts as compared to insureds who have frequent claims or accidents.
- Low Mileage – Low annual miles can qualify you for better insurance rates on cars that stay parked.
- Multiple Cars – Purchasing coverage when you have several vehicles on a single policy can get a discount for every vehicle.
- ABS Brakes – Cars with ABS and/or traction control are safer to drive and earn discounts up to 10%.
- New Vehicle Savings – Buying insurance coverage on a new vehicle can be considerably cheaper because new model year vehicles keep occupants safer.
- Responsible Drivers – Drivers who avoid accidents could pay up to 40% less than drivers with accidents.
As a footnote on discounts, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky. Any qualifying discounts should definitely cut your overall bill.
Large insurance companies and some of the premium reductions they offer are:
- State Farm discounts include multiple autos, multiple policy, passive restraint, driver’s education, Steer Clear safe driver discount, and student away at school.
- Esurance may include discounts for multi-policy, Switch & Save, defensive driver, homeowner, online shopper, and DriveSense.
- Progressive has savings for homeowner, online quote discount, multi-vehicle, continuous coverage, and online signing.
- Liberty Mutual has discounts for multi-car, teen driver discount, multi-policy, new move discount, new graduate, and exclusive group savings.
- Auto-Owners Insurance includes discounts for anti-theft, paid in full, anti-lock brakes, student away at school, paperless, and air bags.
- GEICO may offer discounts for membership and employees, multi-policy, multi-vehicle, five-year accident-free, daytime running lights, military active duty, and anti-theft.
When getting free Phoenix car insurance quotes, it’s a good idea to each company which credits you are entitled to. Savings might not be offered everywhere.
Auto insurance is not optional in Arizona
Despite the high cost, paying for auto insurance is a good idea for several reasons.
First, the majority of states have mandatory insurance requirements which means the state requires a minimum amount of liability protection in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your vehicle has a loan, almost all lenders will stipulate that you have insurance to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the lender will be forced to insure your Chrysler at an extremely high rate and require you to pay much more than you were paying before.
Third, insurance safeguards both your assets and your Chrysler 300. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance more than offset the price you pay, especially with large liability claims. On average, a vehicle owner in Phoenix overpays as much as $810 a year so you should quote your policy with other companies at least once a year to ensure rates are inline.
Local Phoenix auto insurance agents and car insurance
Certain consumers prefer to talk to a local agent. One of the great benefits of comparing car insurance online is you can get cheap rate quotes but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), your insurance data is instantly submitted to agents in your area that can provide free Phoenix car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents due to the fact that quote results will go straight to your inbox. You’ll get the best rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote from a specific company, you can always jump over to their website and submit a quote form there.
Choosing an provider shouldn’t rely on just the quoted price. These are some valid questions you should ask.
- Do they write coverage based solely on cost?
- Are all drivers listed on the coverage quote?
- Are there any extra charges for paying monthly?
- Will one accident increase rates?
- How long has their agency been in business in Phoenix?
- Do they have 24-hour customer assistance?
- How much will you save each year by using a higher deductible?
When narrowing the list to find a local Phoenix insurance agency, you must know there are a couple different agency structures and how they are distinctly different. Car insurance agencies can be described as either independent agents or exclusive agents.
Exclusive Car Insurance Agencies
Agents of this type write business for a single company and examples are American Family, State Farm, and Allstate. These agents are not able to provide prices from multiple companies so keep that in mind. These agents are well schooled on their company’s products which aids in selling service over price. A lot of people use the same exclusive agent mainly due to the prominence of the brand and strong financial ratings.
Listed below is a short list of exclusive insurance agencies in Phoenix that are able to give comparison quotes.
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map - Llyrena Sherwood – State Farm Insurance Agent
3415 W Glendale Ave #7 – Phoenix, AZ 85051 – (602) 368-9102 – View Map - State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 – View Map
Independent Insurance Agents
Independent agents are normally appointed by many insurers so they can quote policies amongst many companies and help determine which has the cheapest rates. If premiums increase, your agent can just switch to a different company and you won’t have to switch agencies. When comparing car insurance prices, you absolutely need to compare quotes from at least one independent agent so that you can do a thorough price comparison. A lot of them also have access to small regional insurance companies that may have much lower rates than larger companies.
Below are independent agencies in Phoenix who can help you get comparison quotes.
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map - LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map - American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map