Best Ways to Save on Tampa Chrysler 300 Insurance

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Want to know how to find more affordable Chrysler 300 insurance in Tampa? If you are new to online price comparisons, chances are good that you are overwhelmed thanks to all the different types insurance agents and companies competing for business in Tampa.

Steps to finding affordable quotes for Chrysler 300 insurance in Tampa

If you want to save money, the best way to find more affordable car insurance rates in Tampa is to start comparing rates regularly from companies who provide car insurance in Florida.

  1. Take a few minutes and learn about what coverages are included in your policy and the measures you can control to drop your rates. Many rating criteria that result in higher prices like speeding and a substandard credit history can be rectified by making lifestyle changes or driving safer.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple companies.
  3. Compare the new rates to the price on your current policy and determine if cheaper 300 coverage is available. If you find better rates and decide to switch, make sure there is no coverage gap between policies.
  4. Provide written notification to your current company of your intention to cancel your current auto insurance policy and submit a completed application and payment to your new agent or company. When you receive it, safely store the certificate verifying proof of insurance in your vehicle's glove compartment or console.

The key thing to remember is to use the same liability limits and deductibles on each quote and and to get price estimates from every company you can. Doing this provides an accurate price comparison and the best price quote selection.

Insurance rates Chrysler 300 in TampaIt's well known that car insurance companies don't want policyholders to compare prices from other companies. Consumers who shop around for the cheapest price will most likely move their business because they have good chances of finding a cheaper policy. A recent survey revealed that drivers who compared rates annually saved about $3,450 over four years compared to drivers who didn't regularly shop around.

If finding the lowest price on Chrysler 300 insurance in Tampa is your ultimate objective, learning how to find companies and compare coverages can help make the process easier.

If you have car insurance now, you will be able to buy cheaper car insurance using this information. Obtaining price quotes for the best coverage in Tampa is simple if you know the tricks. Nevertheless, Florida car owners must comprehend how the larger insurance companies compete online and use it to find better rates.

To get the cheapest Chrysler 300 rate quotes, there a variety of ways to compare quotes from different companies. The fastest way to comparison shop involves getting comparison quotes online. Just keep in mind that getting more free quotes helps you find better pricing.

The companies shown below have been selected to offer free rate quotes in Florida. If multiple companies are listed, it's highly recommended you visit several of them in order to get a fair rate comparison.

Analysis of coverages

The coverage information displayed next covers estimates of insurance rates for Chrysler 300 models. Understanding how insurance premiums are figured can help drivers make decisions on which coverage to buy.

Chrysler 300 Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $228 $428 $392 $24 $118 $1,190 $99
300 Touring Plus 4-Dr Sedan $228 $428 $392 $24 $118 $1,190 $99
300 Touring AWD 4-Dr $228 $428 $392 $24 $118 $1,190 $99
300 S V6 4-Dr Sedan $228 $428 $392 $24 $118 $1,190 $99
300 Touring Signature 4-Dr Sedan $228 $428 $392 $24 $118 $1,190 $99
300 Touring Executive 4-Dr Sedan $228 $428 $392 $24 $118 $1,190 $99
300 Touring Signature AWD 4-Dr $254 $494 $392 $24 $118 $1,282 $107
300 Limited 4-Dr Sedan $254 $494 $392 $24 $118 $1,282 $107
300 C 4-Dr Sedan $254 $494 $392 $24 $118 $1,282 $107
300 S V8 4-Dr Sedan $254 $494 $392 $24 $118 $1,282 $107
300 Limited AWD 4-Dr $254 $494 $392 $24 $118 $1,282 $107
300 C AWD 4-Dr $254 $494 $392 $24 $118 $1,282 $107
300 SRT-8 4-Dr Sedan $254 $494 $392 $24 $118 $1,282 $107
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in garaging location in Tampa which can affect prices greatly.

Rate comparison for different deductibles

One common question asked by Tampa drivers is what deductibles to buy. The data tables below show the rate difference when you select higher and lower insurance deductibles. The first pricing table uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Chrysler 300 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
300 Touring Plus 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
300 Touring AWD 4-Dr $406 $764 $418 $24 $124 $1,761 $147
300 S V6 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
300 Touring Signature 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
300 Touring Executive 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
300 Touring Signature AWD 4-Dr $452 $880 $418 $24 $124 $1,923 $160
300 Limited 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
300 C 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
300 S V8 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
300 Limited AWD 4-Dr $452 $880 $418 $24 $124 $1,923 $160
300 C AWD 4-Dr $452 $880 $418 $24 $124 $1,923 $160
300 SRT-8 4-Dr Sedan $452 $880 $418 $24 $124 $1,923 $160
Get Your Own Custom Quote Go
Chrysler 300 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
300 Touring Plus 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
300 Touring AWD 4-Dr $224 $402 $418 $24 $124 $1,192 $99
300 S V6 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
300 Touring Signature 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
300 Touring Executive 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
300 Touring Signature AWD 4-Dr $250 $464 $418 $24 $124 $1,280 $107
300 Limited 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
300 C 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
300 S V8 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
300 Limited AWD 4-Dr $250 $464 $418 $24 $124 $1,280 $107
300 C AWD 4-Dr $250 $464 $418 $24 $124 $1,280 $107
300 SRT-8 4-Dr Sedan $250 $464 $418 $24 $124 $1,280 $107
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in vehicle location which can revise coverage rates greatly.

Based on the figures above, using a $100 deductible costs approximately $51 more each month or $612 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 18 months between claims, you would most likely save money if you opt for a higher deductible.

The example below shows how different deductible levels and can affect Chrysler 300 yearly insurance costs for different age categories. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Full coverage versus liability only rates

The chart below shows the difference between Chrysler 300 yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes a clean driving record, no claims, $100 deductibles, drivers are single, and no policy discounts are applied.

Are you wasting money on full coverage?

There is no definitive rule that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's say your Chrysler 300 book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after the deductible is paid. If you are paying over $600 a year for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Insurance agencies near you

Some consumers prefer to go talk to an agent and there is nothing wrong with that. An additional benefit of comparing car insurance online is you can get lower rates but also keep your business local. Supporting local insurance agents is important particularly in Tampa.

Find insurance agent in TampaTo find an agent, once you fill out this simple form, the quote information is instantly submitted to insurance agents in Tampa who will gladly provide quotes for your car insurance coverage. There is no reason to contact any agents since rate quotes are delivered immediately to your email address. You can find lower rates and an insurance agent to talk to. If for some reason you want to compare rates from a specific car insurance provider, you just need to jump over to their website and fill out their quote form.

Insurance agent types

If you want to buy car insurance from local Tampa agents, you must know there are a couple different types of agencies and how they operate. Car insurance agencies can either be exclusive or independent agents depending on their company appointments.

Independent Agencies or Brokers

Independent agencies do not sell for just one brand and that allows them to write policies with multiple insurance companies and find the cheapest rate. If prices rise, they simply move your policy to a different company and the insured can keep the same agent. When comparison shopping, you absolutely need to check rates from at least one independent agent to have the most options to choose from. A lot of them also have access to smaller regional carriers who may have lower rates.

The following is a small list of independent insurance agencies in Tampa who can help you get price quotes.

More Tampa agents

Exclusive Car Insurance Agencies

Agents in the exclusive channel can usually just insure with one company and some examples include Allstate, State Farm and Farm Bureau. They generally cannot provide other company's prices so always compare other rates. These agents are trained well in insurance sales and that can be a competitive advantage. A lot of people use the same agent partially due to the brand legacy rather than having the cheapest rates.

The following is a list of exclusive insurance agents in Tampa that can give you comparison quotes.

More Tampa agents

Finding the right insurance agent shouldn't rely on just a cheap quote. Any agent in Tampa should be forthright in answering these questions:

  • Did they already check your driving record and credit reports?
  • What is the agency's Better Business Bureau rating?
  • Are they able to provide referrals?
  • Is insurance their full-time profession?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • What is the financial rating for the quoted company?