Cheap Bakersfield Chrysler 300 Insurance

Discount Chrysler 300 insuranceWould you like to save money by finding cheaper Chrysler 300 insurance in Bakersfield? Did you come to the realization that you have overpriced Chrysler 300 insurance in Bakersfield? It’s quite common and many Bakersfield drivers have buyer’s remorse.

A recent study showed that about 70% of customers renewed their policy with the same company for more than four years, and approximately 40% of consumers have never shopped around. The average driver in California can save hundreds of dollars each year by just comparing rate quotes, but they assume it’s a waste of time to save money by comparing rate quotes.

How to save money on Chrysler 300 insurance in Bakersfield

If you want to save the most money, the best way to find better pricing on auto insurance rates in Bakersfield is to start comparing rates regularly from providers who provide car insurance in California.

  1. Try to comprehend how companies price auto insurance and the measures you can control to keep rates in check. Many things that drive up the price such as your driving record and a bad credit rating can be remedied by making minor changes to your lifestyle. Continue reading for more ideas to find cheap rates and find discounts that may have been missed.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can quote rates from many different companies.
  3. Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find better rates and change companies, verify that coverage does not lapse between policies.
  4. Provide notification to your current agent or company of your decision to cancel your current policy and submit payment and a completed application to your new company or agent. Once the paperwork is finalized, put the new certificate verifying proof of insurance somewhere easily accessible.

The critical component of shopping around is that you’ll want to compare identical coverages on each quote and and to get price quotes from as many car insurance companies as possible. This ensures an accurate price comparison and a complete selection of prices.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Insurance coverage analysis

The data table displayed next covers detailed analysis of policy rates for Chrysler 300 models. Learning more about how insurance policy premiums are determined can assist in making informed coverage decisions.


Chrysler 300 Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $270 $536 $500 $30 $150 $1,486 $124
300 Touring Plus 4-Dr Sedan $270 $536 $500 $30 $150 $1,486 $124
300 Touring AWD 4-Dr $270 $536 $500 $30 $150 $1,486 $124
300 S V6 4-Dr Sedan $270 $536 $500 $30 $150 $1,486 $124
300 Touring Signature 4-Dr Sedan $270 $536 $500 $30 $150 $1,486 $124
300 Touring Executive 4-Dr Sedan $270 $536 $500 $30 $150 $1,486 $124
300 Touring Signature AWD 4-Dr $300 $616 $500 $30 $150 $1,596 $133
300 Limited 4-Dr Sedan $300 $616 $500 $30 $150 $1,596 $133
300 C 4-Dr Sedan $300 $616 $500 $30 $150 $1,596 $133
300 S V8 4-Dr Sedan $300 $616 $500 $30 $150 $1,596 $133
300 Limited AWD 4-Dr $300 $616 $500 $30 $150 $1,596 $133
300 C AWD 4-Dr $300 $616 $500 $30 $150 $1,596 $133
300 SRT-8 4-Dr Sedan $300 $616 $500 $30 $150 $1,596 $133
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific location information which can revise premiums noticeably.

Physical damage deductibles

When buying insurance, a common question is what deductibles to buy. The following tables may aid in understanding the costs and benefits when you choose different deductibles. The first rate quote example uses a $250 physical damage deductible and the second price chart uses a $500 deductible.


Chrysler 300 insurance rates with $250 deductibles
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

Chrysler 300 insurance rates with $500 deductibles
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

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific location which can affect price quotes greatly.

We can derive from the above data that using a $250 deductible will cost you roughly $20 more each month or $240 for a full year across all Chrysler 300 models than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 13 months between claims, you would come out ahead if you choose the higher deductible.

Irresponsible driving raises your rates

The example below illustrates how traffic citations and at-fault claims can impact Chrysler 300 yearly insurance costs for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Should you buy full coverage?

The example below illustrates the difference between Chrysler 300 car insurance rates with liability coverage only compared to full coverage. The prices are based on no violations or claims, $250 deductibles, single status, and no discounts are taken into consideration.

When to drop full coverage

There is no specific rule for phasing out full coverage, but there is a general school of thought. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Chrysler 300 replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after the deductible is paid. If you are paying in excess of $800 a year to have full coverage, then it may be the right time to buy liability only.

There are a few situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.

What Impacts Chrysler 300 Insurance Prices?

Part of the auto insurance buying process is learning the factors that help calculate your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could result in much lower annual insurance costs. Lots of things are considered when you quote your car insurance policy. Some are pretty understandable like your driving record, but other criteria are more obscure like your continuous coverage or how safe your car is.

Listed below are a few of the “ingredients” used by companies to determine your rate level.

Don’t give up on cheaper premiums

Cheap Chrysler 300 insurance in Bakersfield is attainable from both online companies and from local insurance agents, so you should compare both to have the best selection. Some insurance providers may not offer online rate quotes and these small, regional companies provide coverage only through independent agents.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice full coverage only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate.

Drivers who switch companies do it for a variety of reasons including policy non-renewal, denial of a claim, high rates after DUI convictions or questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider can be easy and end up saving you some money.

Steps to buying lower priced Chrysler 300 insurance in Bakersfield

If you want to save the most money, the best way to get budget Chrysler 300 insurance is to compare quotes once a year from companies that sell auto insurance in Bakersfield.

The most important part of this process is to use similar deductibles and liability limits on every price quote and to quote with as many companies as you can. Doing this helps ensure a fair rate comparison and a better comparison of the market.

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