How long has it been since you compared low-cost Chrysler 300 insurance in Long Beach? Finding cheaper rates on Chrysler 300 insurance in Long Beach may be a challenge for drivers new to comparing prices online. With such a large choice of insurers to choose from, it can easily be a difficult situation to locate the lowest rates.
It’s hard to believe, but nearly 70% of California drivers have been with the same company for at least the last four years, and about 40% of consumers have never compared quotes from other companies. With the average premium in the U.S. being $1,847, drivers can cut their rates by roughly 47% a year just by getting comparison quotes, but they mistakenly think it’s difficult to shop around.
It’s smart to check car insurance prices once or twice a year since prices are rarely the same from one policy term to another. If you had the lowest price on Chrysler 300 insurance in Long Beach two years ago you may be paying too much now. Block out anything you think you know about car insurance because we’re going to demonstrate the quickest way to lower your rates without sacrificing coverage.
Insurance policy discounts you can’t miss
Some insurance providers don’t list all available discounts very clearly, so the following list contains a few of the more well known as well as some of the hidden insurance savings.
- Save with a New Car – Putting coverage on a new 300 can save you some money since new model year vehicles have better safety ratings.
- Sign Early and Save – Some insurance companies reward drivers for buying a new policy prior to your current 300 insurance policy expiring. It’s a savings of about 10%.
- Save with More Vehicles Insured – Purchasing coverage when you have multiple cars with the same insurance company can reduce rates for all insured vehicles.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Mature Driver Discount – Older drivers could receive a small discount on rates.
Just know that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The diagram below compares Chrysler 300 car insurance rates with and without policy discounts. The premiums assume a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, homeowner, and marriage discounts applied.
Popular insurance companies and the discounts they provide are:
- Progressive may include discounts for online quote discount, online signing, good student, continuous coverage, multi-policy, multi-vehicle, and homeowner.
- Farmers Insurance offers discounts including homeowner, bundle discounts, early shopping, good student, alternative fuel, switch companies, and business and professional.
- Farm Bureau has discounts for safe driver, 55 and retired, driver training, multi-vehicle, youthful driver, and renewal discount.
- State Farm discounts include good driver, good student, passive restraint, multiple autos, anti-theft, Steer Clear safe driver discount, and accident-free.
- GEICO may have discounts that include anti-lock brakes, driver training, air bags, five-year accident-free, emergency military deployment, multi-vehicle, and membership and employees.
- SAFECO policyholders can earn discounts including anti-lock brakes, bundle discounts, accident prevention training, drive less, anti-theft, safe driver, and multi-car.
- Liberty Mutual offers discounts for new graduate, teen driver discount, exclusive group savings, newly retired, hybrid vehicle, multi-car, and preferred payment discount.
If you need affordable Chrysler 300 insurance quotes, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts might not be offered in your area.
Most major insurance companies such as State Farm, Allstate and GEICO make it easy to get prices for coverage directly from their websites. This process is quite simple because it’s just a matter of typing in the coverages you want into the form. Once you submit the form, the system will obtain information on your driving record and credit history and returns pricing information based on the data you entered.
Quoting online for Chrysler 300 insurance in Long Beach makes it simple to compare prices and it’s necessary to get many rate quotes in order to get the lowest possible payments on car insurance.
To compare rates now, check out the car insurance providers below. If you have coverage now, it’s recommended you type in the coverages just like they are on your policy. This helps ensure you are getting rate quotes for the exact same coverage.
The companies shown below have been selected to offer comparison quotes in California. In order to find cheap auto insurance in Long Beach, it’s a good idea that you compare several of them in order to find the cheapest rates.
Coverage analysis
The rate table displayed below highlights detailed analysis of insurance premium costs for Chrysler 300 models. Being aware of how car insurance premiums are calculated helps drivers make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Plus 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring AWD 4-Dr | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 S V6 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Signature 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Executive 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Signature AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 Limited 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 C 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 S V8 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 Limited AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 C AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 SRT-8 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle location which can change premiums greatly.
Policy deductibles
When buying insurance, a common question is how high should the deductibles for physical damage be. The comparison tables below approximate the premium difference when you select higher and lower policy deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 300 Touring Plus 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 300 Touring AWD 4-Dr | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 300 S V6 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 300 Touring Signature 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 300 Touring Executive 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 300 Touring Signature AWD 4-Dr | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 300 Limited 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 300 C 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 300 S V8 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 300 Limited AWD 4-Dr | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 300 C AWD 4-Dr | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| 300 SRT-8 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Plus 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring AWD 4-Dr | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 S V6 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Signature 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Executive 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 300 Touring Signature AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 Limited 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 C 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 S V8 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 Limited AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 C AWD 4-Dr | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| 300 SRT-8 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific Long Beach garaging location which can lower or raise rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible costs approximately $20 more each month or $240 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 13 months between claim filings, you would save money if you decide on a higher deductible. The table below shows an example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $147 |
| Average monthly premium for $500 deductibles (subtract): | – $127 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Accidents and violations increase rates
The diagram below shows how violations and accident claims impact Chrysler 300 annual premium costs for different age categories. The rate quotes are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
How You Can Control Chrysler 300 Insurance Rates
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that go into determining your auto insurance rates. If you know what determines premiums, this helps enable you to make changes that can help you get cheaper rates. Many different elements are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like your driving record, but others are less obvious such as whether you are married or how financially stable you are.
The factors shown below are some of the items auto insurance companies consider when setting prices.
Save money by having good credit – An insured’s credit score factor in calculating your auto insurance rates. Drivers with excellent credit scores tend to file fewer claims than those with lower credit ratings. If your credit score can use some improvement, you could save money insuring your Chrysler 300 by repairing your credit.
Teenagers vs. mature drivers – Older insureds tend to be more responsible, cost insurance companies less in claims, and get fewer tickets. Inexperience drivers have a tendency to be easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Getting married is a good thing – Getting married can actually save you money on your auto insurance policy. Having a spouse may mean you are more mature it has been statistically shown that drivers who are married are more cautious.
Rural areas have lower prices – Residing in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Drivers in populated areas tend to have more aggressive driving styles and a longer drive to work. Fewer drivers on the road translates into fewer accidents and a lower car theft rate.
Consolidate home and auto and save – Most major insurers will give better rates to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you qualify for this discount already, it’s in your best interest to shop around to ensure the best deal. Consumers may save even more by buying insurance from more than one company.
The more you drive the more you pay – The more you drive each year the more it will cost to insure it. Many insurance companies charge rates based upon how you use the vehicle. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your auto insurance policy is rated on the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your 300 is throwing money out the window.
The type of car, truck or SUV you drive affects your premiums – The make and model of the car, truck or SUV you are insuring makes a big difference in how high your rates are. The cheapest insurance rates will normally be found when insuring low performance passenger models, but there are many factors that impact the final cost.
The chart below is based on a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It illustrates Chrysler 300 insurance premiums compared to other models that have different performances.
Certain vocations raise premiums – Do you work in a high-stress field? Occupations like military generals, architects, and emergency personnel tend to pay higher premiums than the average policyholder attributed to intense work situations and incredibly demanding work hours. Conversely, occupations like actors, engineers and retirees get better rates.
Chrysler 300 insurance claim data – Car insurance companies use statistical claims data when setting premium rates. Vehicles that the data determines to have a trend towards higher claims will have higher rates for specific coverages. The table below shows the loss history for Chrysler 300 vehicles.
For each policy coverage type, the claim amount for all vehicles as a whole is set at 100. Values that are below 100 are indicative of better than average losses, while numbers that are greater than 100 show a trend for more claims or statistically larger losses.
| 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 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Long Beach car insurance agents and car insurance
Many people just prefer to sit down and talk to an agent and doing so can bring peace of mind One of the benefits of comparing rate quotes online is you can get better rates and also buy local. Putting coverage with local insurance agents is important particularly in Long Beach.
After completing this short form, your insurance data is immediately sent to agents in your area that can provide free Long Beach auto insurance quotes to get your business. There is no need to contact any insurance agencies since price quotes are sent directly to your email. You can most likely find cheaper rates and a licensed agent to talk to. If you want to get a comparison quote from a specific insurance company, you just need to navigate to their website and fill out the quote form the provide.
Pick the best auto insurance agent in Long Beach for you
If you are searching for a reliable insurance agency, you must know there are a couple different agency structures and how they operate. Car insurance agencies can be described as either independent or exclusive.
Independent Agents
These type of agents are appointed with more than one company so as a result can place your coverage through many different car insurance companies and find the cheapest car insurance rates. If they quote lower rates, an independent agent can move your coverage and you can keep the same agent. When comparing car insurance prices, we recommend you include independent agents to have the best price comparison. They also have the ability to place coverage with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Listed below are independent agencies in Long Beach that may be able to give cheap rate quotes.
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map - Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map
Exclusive Insurance Agents
These type of agents have only one company to place business with like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on sales techniques and that can be a competitive advantage. Consumers often buy from exclusive agents mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
The following is a short list of exclusive insurance agents in Long Beach that are able to give rate quotes.
- Farmers Insurance: Edward Reyes
1424 W Willow St – Long Beach, CA 90810 – (562) 427-7030 – View Map - Vinny Bommaiah – State Farm Insurance Agent
6272 Pacific Coast Hwy Ste C – Long Beach, CA 90803 – (562) 439-8544 – View Map - Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338 – View Map
Finding the right insurance agent requires more thought than just the premium amount. Here are some questions you might want to ask.
- Does the agent have a valid license to sell insurance in California?
- Can you use your own choice of collision repair facility?
- Will your rates increase after a single accident?
- Does the agency have a current Errors and Omissions policy?
- Are claim adjusters local or do you have to take your car somewhere else?
- Does the agency support the community they serve?
Here’s why car insurance is not optional
Even though it can be expensive, car insurance is not optional due to several reasons.
First, just about all states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Chrysler 300 has a lienholder, most lenders will make it mandatory that you buy insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Chrysler at a much higher rate and force you to pay a much higher amount than you were paying before.
Third, insurance safeguards both your assets and your car. Insurance will pay for hospital and medical expenses that are the result of an accident. Liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance are definitely more than the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Long Beach is overpaying over $855 a year so it’s very important to do a rate comparison at every renewal to help ensure money is not being wasted.
Cheap insurance premiums are possible
You just read many tips how you can compare Chrysler 300 insurance premium rates in Long Beach. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced insurance comes from the smaller companies.
As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability coverage limits and learned later that the savings was not a smart move. Your goal should be to buy enough coverage at the best price but still have enough coverage for asset protection.
Insureds who switch companies do it for many reasons like delays in paying claims, an unsatisfactory settlement offer, policy non-renewal and policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.
Steps to finding low-cost Chrysler 300 insurance in Long Beach
It takes a few minutes, but the best way to get discount Chrysler 300 insurance in Long Beach is to do a yearly price comparison from insurers who provide auto insurance in California.
- Step 1: Try to learn about how insurance companies determine prices and the steps you can take to prevent rate increases. Many factors that cause high rates such as accidents, traffic tickets, and a substandard credit history can be remedied by making lifestyle changes or driving safer.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple companies. Click to view companies
- Step 3: Compare the new rates to your current policy and determine if cheaper 300 coverage is available. If you find a lower rate quote and change companies, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current agent or company to cancel your current coverage and submit the signed application along with the required initial payment to your new insurance company. Once the application is submitted, keep the new proof of insurance paperwork somewhere easily accessible.
An important part of this process is to use the same deductibles and limits on every quote and and to get rate quotes from every company you can. Doing this helps ensure a fair rate comparison and maximum price selection.
Helpful learning opportunities
- Rental Car Insurance Tips (Insurance Information Institute)
- Who Has Cheap Long Beach Car Insurance Quotes for Business Use? (FAQ)
- How Much are Long Beach Car Insurance Rates for a Company Car? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is a Telematics Device? (Allstate)
- Event Data Recorders FAQ (iihs.org)