Auto Insurance Quotes for a Chrysler 300 in Sacramento

Discount Chrysler 300 insuranceIt takes a few minutes, but the best way to get affordable Chrysler 300 insurance is to start doing an annual price comparison from companies that insure vehicles in Sacramento. Rates can be compared by following these steps.

  1. Try to learn a little about auto insurance and the measures you can control to prevent expensive coverage. Many things that cause high rates like careless driving and a less-than-favorable credit rating can be eliminated by making minor driving habit or lifestyle changes. This article gives additional ideas to help reduce premium rates and find discounts that you may qualify for.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide prices from multiple companies. Start a quote
  3. Compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote and make a switch, ensure coverage does not lapse between policies.
  4. Notify your company or agent of your intention to cancel your current policy and submit payment and a completed application to your new carrier. Once received, place your new certificate verifying proof of insurance with your registration paperwork.

One piece of advice is to compare identical coverage information on every quote and and to analyze as many companies as you can. Doing this helps ensure a fair price comparison and the best price selection.

We don’t have to point out that fact that insurance companies want to prevent you from shopping around. Consumers who shop for lower rates are highly likely to switch companies because there is a good probability of finding a more affordable policy. A survey found that consumers who shopped around annually saved approximately $865 a year compared to policyholders who never shopped for cheaper rates.

If finding the cheapest price for auto insurance is your objective, then knowing how to compare coverage rates can save time and make the process easier.

If you have a policy now, you will most likely be able to get lower rates using this strategy. Finding the cheapest insurance coverage in Sacramento is quite easy if you know the best way to do it. Nevertheless, California drivers must know how companies sell online and use this information to your advantage.

Companies offering Chrysler 300 insurance in Sacramento

The companies shown below offer free quotes in Sacramento, CA. To get cheaper auto insurance in Sacramento, we recommend you visit as many as you can to get a more complete price comparison.

Coverage statistics and figures

The information shown next showcases different insurance policy prices for Chrysler 300 models. Being aware of how premiums are figured can help you make smart choices when purchasing an insurance policy.


Chrysler 300 Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
300 Touring Plus 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
300 Touring AWD 4-Dr $378 $780 $534 $32 $160 $1,884 $157
300 S V6 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
300 Touring Signature 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
300 Touring Executive 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
300 Touring Signature AWD 4-Dr $420 $898 $534 $32 $160 $2,044 $170
300 Limited 4-Dr Sedan $420 $898 $534 $32 $160 $2,044 $170
300 C 4-Dr Sedan $420 $898 $534 $32 $160 $2,044 $170
300 S V8 4-Dr Sedan $420 $898 $534 $32 $160 $2,044 $170
300 Limited AWD 4-Dr $420 $898 $534 $32 $160 $2,044 $170
300 C AWD 4-Dr $420 $898 $534 $32 $160 $2,044 $170
300 SRT-8 4-Dr Sedan $420 $898 $534 $32 $160 $2,044 $170
Get Your Own Custom Quote Go

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in vehicle location which can increase or decrease prices noticeably.

Physical damage deductibles

When buying car insurance, a common question is what deductibles to buy. The rates shown below may help to illustrate the rate fluctuation when you choose different coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.


Chrysler 300 insurance premium estimates 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 premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
300 Touring Plus 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
300 Touring AWD 4-Dr $238 $426 $442 $26 $132 $1,264 $105
300 S V6 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
300 Touring Signature 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
300 Touring Executive 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
300 Touring Signature AWD 4-Dr $266 $490 $442 $26 $132 $1,356 $113
300 Limited 4-Dr Sedan $266 $490 $442 $26 $132 $1,356 $113
300 C 4-Dr Sedan $266 $490 $442 $26 $132 $1,356 $113
300 S V8 4-Dr Sedan $266 $490 $442 $26 $132 $1,356 $113
300 Limited AWD 4-Dr $266 $490 $442 $26 $132 $1,356 $113
300 C AWD 4-Dr $266 $490 $442 $26 $132 $1,356 $113
300 SRT-8 4-Dr Sedan $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific location information which can modify premiums substantially.

Based on this data, using a $250 deductible could cost the average driver approximately $38 more each month or $456 each year across all Chrysler 300 models than quoting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 20 months between claims, you would save more money if you choose the higher deductible.

The information below illustrates how choosing a deductible and can raise or lower Chrysler 300 premium costs for different age groups. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Lower-cost Chrysler 300 insurance rates in Sacramento

Car insurance companies don’t list every discount available in an easy-to-find place, so the next list breaks down both well-publicized in addition to some of the lesser obvious discounts that may be available. If you aren’t receiving every discount possible, you are just wasting money.

Don’t be shocked that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky. But all discounts should definitely cut your policy premiums.

The diagram below illustrates the difference between Chrysler 300 car insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, marriage, and safe-driver discounts applied.

A list of auto insurance companies and their offered discounts can be found below.

If you want affordable Sacramento auto insurance quotes, ask every insurance company how you can save money. Some credits may not be available in your area. For a list of insurance companies with discount auto insurance rates in California, click this link.

When in doubt talk to an agent

When it comes to choosing the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and your insurance should be unique as well. For example, these questions could help you determine if your insurance needs might need professional guidance.

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Local Sacramento insurance agents

A small number of people just prefer to get professional advice from a licensed agent and we recommend doing that A nice benefit of comparing insurance prices online is that you can obtain lower rates and still have a local agent.

Upon completion of this simple form, the coverage information is instantly submitted to companies in Sacramento who will return price quotes to get your business. You don’t have to drive around since rate quotes are delivered to you. You can find the lowest rates and work with a local agent. If for some reason you want to compare rates from a particular provider, feel free to visit that company’s website and give them your coverage information.

Finding a good company is decision based upon more than just a low price. Ask your prospective agent these questions:

What types of car insurance agents are in Sacramento?

When looking for a reputable agency, it helps to know the two types of insurance agents that differ in how they can insure your vehicles. Agents in Sacramento can be described as either independent (non-exclusive) or exclusive.

Exclusive Agents

These type of agents can only write with one company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. These agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price.

Below is a list of exclusive insurance agents in Sacramento that can give you price quotes.


8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370 – View Map


1035 Jefferson Blvd #5 – West Sacramento, CA 95691 – (916) 371-4730 – View Map


8887 Folsom Blvd #3a – Sacramento, CA 95826 – (916) 361-3114 – View Map

More insurance agents

Independent Agencies or Brokers

Independent agencies do not work for one specific company and that is an advantage because they can write policies amongst many companies and find you cheaper rates. If you want to switch companies, they simply move your policy to a different company and the insured can keep the same agent. When comparing insurance prices, you need to check rates from at least one independent agent to have the most options to choose from.

Shown below are independent insurance agencies in Sacramento that are able to give rate quotes.


6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113 – View Map

Melissa Saites Nelson Insurance Agency, Inc.
4749 J St – Sacramento, CA 95819 – (916) 531-6061 – View Map


7 Parkcenter Dr #125 – Sacramento, CA 95825 – (916) 234-1490 – View Map

More insurance agents

Sacramento car insurance companies ranked

Picking the highest-rated company can be rather challenging considering how many different companies insure vehicles in Sacramento. The information in the lists below can help you decide which auto insurance companies to look at purchasing coverage from.

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Sacramento Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Cheaper coverage is out there

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Cost effective Chrysler 300 insurance can be found online and also from your neighborhood Sacramento agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these smaller companies only sell coverage through independent agents.

Additional detailed information is available in the articles below: