Are you burned out from wondering where the money will come from to make your car insurance payment? You are in the same boat as many other Texas drivers.

Discount Chrysler 300 insuranceInconceivable but true, almost 70% of drivers have remained with the same car insurance company for four years or more, and practically 40% of car insurance customers have never shopped around. The average driver in San Antonio could save approximately $1,766 a year just by getting comparison quotes, but they just don't understand how easy it is to find lower-cost rates by getting comparison quotes.

Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurers and uncover the absolute lowest cost out there.

Best Chrysler 300 insurance rate quotes in Texas

The companies in the list below have been selected to offer comparison quotes in Texas. If your goal is to find cheap auto insurance in San Antonio, we suggest you get rate quotes from several of them to find the most competitive auto insurance rates.

Chrysler 300 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $362 $802 $462 $28 $138 $1,792 $149
300 Touring Plus 4-Dr Sedan $234 $368 $500 $30 $150 $1,282 $107
300 Touring AWD 4-Dr $228 $452 $514 $30 $154 $1,378 $115
300 S V6 4-Dr Sedan $322 $572 $388 $24 $116 $1,422 $119
300 Touring Signature 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
300 Touring Executive 4-Dr Sedan $284 $580 $358 $22 $108 $1,352 $113
300 Touring Signature AWD 4-Dr $422 $672 $500 $30 $150 $1,774 $148
300 Limited 4-Dr Sedan $196 $436 $430 $26 $128 $1,216 $101
300 C 4-Dr Sedan $178 $360 $366 $22 $110 $1,036 $86
300 S V8 4-Dr Sedan $232 $450 $358 $22 $108 $1,170 $98
300 Limited AWD 4-Dr $224 $486 $462 $28 $138 $1,338 $112
300 C AWD 4-Dr $294 $624 $462 $28 $138 $1,546 $129
300 SRT-8 4-Dr Sedan $354 $788 $400 $24 $120 $1,686 $141
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price estimates do not factor in vehicle garaging location which can change premiums greatly.

Impact of speeding/accidents on auto insurance rates

The diagram below shows how speeding tickets and at-fault claims can increase Chrysler 300 insurance costs for different age groups. Data assumes a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Should you buy full coverage?

The diagram below shows the difference between Chrysler 300 car insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no violations or claims, $500 deductibles, single male driver, and no discounts are factored in.

When to stop paying for full coverage

There is no specific rule to stop paying for comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's assume your Chrysler 300 settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after you pay the deductible. If premium cost is more than $700 a year for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Cheaper Chrysler 300 insurance rates in San Antonio

Car insurance companies don't always advertise every discount they offer very clearly, so the list below details a few of the more common and also the lesser-known credits available to you. If you're not getting every credit possible, you are not getting the best rate possible.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it's just not the way it works.

Insurance companies that have some of the discounts shown above include:

If you need lower rates, check with each company how you can save money. Some discounts might not be offered in San Antonio. If you would like to see a list of companies that offer some of these discounts in San Antonio, click here to view.

Insurance agent or online?

A lot of people would prefer to talk to an insurance agent and often times that is recommended A good thing about comparing rates online is you may find the best rates but still work with a licensed agent. Buying from and supporting local agencies is especially important in San Antonio.

To find an agent, once you fill out this quick form, your information is emailed to insurance agents in San Antonio that give free quotes for your business. There is no need to drive around because quoted prices will be sent directly to your email. You can get cheaper car insurance rates AND a local agent. If you want to get a rate quote from one company in particular, just navigate to their website to submit a rate quote request.

When narrowing the list to find a local insurance agency, it can be helpful to understand the different types of agents and how they operate. Insurance agencies in San Antonio are considered either exclusive or independent (non-exclusive).

Independent Car Insurance Agencies or Brokers

Agents in the independent channel do not sell for just one brand and that allows them to write policies through many companies enabling the ability to shop coverage around. If they find a cheaper price, they simply switch companies in-house which requires no work on your part.

When shopping rates, we recommend you include several independent agencies in order to have the best price comparison.

Listed below are San Antonio independent agencies who can help you get free car insurance rate quotes.

7410 Blanco Rd #385 - San Antonio, TX 78216 - (210) 446-0109 - View Map

5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map

7330 San Pedro Ave #150 - San Antonio, TX 78216 - (210) 738-3537 - View Map

View more agents

Exclusive Agencies

These agents can only quote rates from one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot compare other company's rates so they have to upsell other benefits. Exclusive agents receive extensive training on their company's products which helps offset the inability to provide other markets.

Listed below are exclusive agencies in San Antonio that can give you rate quotes.

10130 San Pedro Ave #103 - San Antonio, TX 78216 - (210) 349-1317 - View Map

3029 S WW White Rd - San Antonio, TX 78222 - (210) 337-1786 - View Map

8359 Perrin Beitel Rd - San Antonio, TX 78218 - (210) 967-8669 - View Map

View more agents

Finding a good insurance agent requires you to look at more than just a cheap price. Any agent in San Antonio should have no problem answering these questions:

Compare. Compare. Compare.

Some insurance companies do not offer price quotes online and usually these small, regional companies sell through independent agents. The cheapest Chrysler 300 insurance in San Antonio can be found online in addition to local insurance agencies, so compare prices from both in order to have the best price selection to choose from.

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret they didn't purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best price, but don't skip important coverages to save money.

In this article, we covered a lot of ways to find affordable Chrysler 300 insurance in San Antonio. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

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