2013 Chrysler 300 Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2013 Chrysler 300 are $1,318 a year including full coverage. Comprehensive costs approximately $258 each year, collision insurance costs $442, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,856. Teenage drivers receive the highest rates at up to $5,046 a year.
Annual premium for full coverage: $1,318
Rate estimates for 2013 Chrysler 300 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 Chrysler 300 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $510 for a discount liability-only rate to a high rate of $2,856 for a driver that may need high-risk insurance.
These differences highlight why all drivers should compare prices using their specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 Chrysler 300 Insurance
Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.
Online insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and consumers find it hard to ignore the flashy ads and find the best price available.
You need to compare rates periodically since rates change frequently. Even if you think you had the lowest rates on 300 insurance two years ago you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to learn one of the quickest ways to find better coverage at a better price.
If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Buying car insurance is not rocket science. But consumers need to have an understanding of how big insurance companies determine prices and apply this information to your search.
The quickest method we recommend to compare insurance rates from multiple companies is to understand car insurance companies have advanced systems to compare rate quotes. All consumers are required to do is take a few minutes to give details including if you have an active license, driver ages, how much you drive, and deductibles desired. Your insurance information is instantly submitted to multiple companies and you should receive rate quotes very quickly.
To compare multiple company rates now, click here and complete the quick form.
Chrysler 300 insurance rates have many determining factors
Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.
- More claims means more premium – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies award lower rates to drivers who do not file claims often. Auto insurance is intended for the large, substantial claims.
- Do you know your deductibles? – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The higher the amount you’re willing to pay, the lower your rates will be on 300 insurance.
- Where you live – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. Urban drivers have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents and a lower car theft rate.
- Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as judges, executives and stock brokers have the highest rates in part from job stress and lengthy work days. On the other hand, professions such as pilots, students and performers get better rates on 300 insurance.
- Older drivers save more – Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Young drivers are known to get distracted easily in a vehicle therefore auto insurance rates are much higher.
- Do you have enough liability coverage? – Your policy’s liability coverage will protect you in the event that you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
- Don’t cancel a policy without a new one in place – Allowing your coverage to lapse is a fast way to increase your auto insurance rates. Not only will you pay more, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
- Proper usage rating affects rates – The higher the mileage driven in a year’s time the more you will pay for auto insurance. Almost all companies rate vehicles based upon how you use the vehicle. Autos that are left in the garage receive lower rates compared to those used for work or business. An improperly rated 300 may be wasting your money. Verify your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
More discounts equal less premium
Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so we break down some of the best known and also the lesser-known auto insurance savings.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
- Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
- Government Employees – Active or retired federal employment could cut as much as 10% off on 300 insurance with certain companies.
- Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
- Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
- College Student – Youth drivers who are attending college and don’t have a car may qualify for this discount.
- Bundle and Save – If you have multiple policies with one company you will save up to 20% off your total premium.
- Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
- Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
- Life Insurance – Some companies give a discount if you purchase life insurance from them.
It’s important to note that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.
Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:
Before buying, ask each company how you can save money. Savings may not apply in your state.
It’s not one size fits all
When buying the best insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might point out whether you might need an agent’s assistance.
- Does coverage extend to my business vehicle?
- Am I covered if I break a side mirror?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Is upholstery damage covered by car insurance?
- Am I covered when delivering products for my home-based business?
- Do I have coverage when using my vehicle for my home business?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Learn about auto insurance coverages for a 2013 Chrysler 300
Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.
Insurance for medical payments
Med pay and PIP coverage pay for immediate expenses for things like surgery, nursing services and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chrysler 300.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This will cover damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things like loss of income, medical services, court costs, pain and suffering and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.
Auto collision coverage
Collision coverage pays for damage to your 300 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as rolling your car, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as rock chips in glass, a broken windshield, hitting a bird and hail damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Be a smart shopper
While you’re price shopping online, never buy less coverage just to save a little money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.
Discount 2013 Chrysler 300 insurance can be bought online as well as from independent agentsinsurance , and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
To learn more, link through to the following helpful articles:
- Keeping Children Safe in Crashes Video (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Insuring a Leased Car (Insurance Information Insitute)
- Senior Drivers (Insurance Information Insitute)
- Choosing an Insurance Company (Insurance Information Insitute)
- Older Driver Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,085|
|Los Angeles, CA||$2,253|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.