Want to know an easy way to compare the cheapest Chrysler 300 insurance in Seattle? Are you overwhelmed by the sheer number of car insurance choices in your area? Lot’s of other people are too. Washington drivers have so many choices that it can quickly become a big hassle to compare premium rates on Chrysler 300 insurance. Seattle is an awesome place to live, but the high cost of car insurance makes it impossible to meet other financial obligations.
A recent NerdWallet.com study revealed that the vast majority of drivers kept their policy with the same company for more than four years, and approximately 40% of consumers have never shopped around. Many consumers in Seattle can cut their rates by about 40% a year by just comparing quotes, but most undervalue the benefits if they switch to a new company.
Consumers need to check car insurance prices before your next renewal since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Chrysler 300 insurance in Seattle a few years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.
These techniques will help educate you on how to get online quotes and how you can save the most money. If you currently have a car insurance policy, you will be able to get lower rates using this strategy. Although Washington vehicle owners must learn the methods companies use to calculate your auto insurance rates because rates fluctuate considerably.
Companies offering Chrysler 300 insurance in Washington
The companies in the list below are ready to provide free quotes in Washington. If more than one company is shown, we recommend you get rates from several of them to find the lowest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $160 | $302 | $278 | $16 | $82 | $838 | $70 |
| 300 Touring Plus 4-Dr Sedan | $232 | $448 | $398 | $24 | $120 | $1,222 | $102 |
| 300 Touring AWD 4-Dr | $252 | $520 | $356 | $22 | $106 | $1,256 | $105 |
| 300 S V6 4-Dr Sedan | $220 | $448 | $278 | $16 | $82 | $1,044 | $87 |
| 300 Touring Signature 4-Dr Sedan | $294 | $452 | $386 | $22 | $116 | $1,270 | $106 |
| 300 Touring Executive 4-Dr Sedan | $198 | $376 | $278 | $16 | $82 | $950 | $79 |
| 300 Touring Signature AWD 4-Dr | $246 | $510 | $334 | $20 | $100 | $1,210 | $101 |
| 300 Limited 4-Dr Sedan | $246 | $510 | $334 | $20 | $100 | $1,210 | $101 |
| 300 C 4-Dr Sedan | $174 | $376 | $356 | $22 | $106 | $1,034 | $86 |
| 300 S V8 4-Dr Sedan | $248 | $528 | $282 | $16 | $84 | $1,158 | $97 |
| 300 Limited AWD 4-Dr | $246 | $510 | $310 | $18 | $92 | $1,176 | $98 |
| 300 C AWD 4-Dr | $274 | $610 | $310 | $18 | $92 | $1,304 | $109 |
| 300 SRT-8 4-Dr Sedan | $248 | $528 | $282 | $16 | $84 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can modify auto insurance rates considerably.
Policy deductibles
When buying car insurance, a common question is which deductible level should you buy. The data tables below determine the premium difference of buying low and high physical damage deductibles. The first rate estimation uses a $100 deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| 300 Touring Plus 4-Dr Sedan | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| 300 Touring AWD 4-Dr | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| 300 S V6 4-Dr Sedan | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| 300 Touring Signature 4-Dr Sedan | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| 300 Touring Executive 4-Dr Sedan | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| 300 Touring Signature AWD 4-Dr | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| 300 Limited 4-Dr Sedan | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| 300 C 4-Dr Sedan | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| 300 S V8 4-Dr Sedan | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| 300 Limited AWD 4-Dr | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| 300 C AWD 4-Dr | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| 300 SRT-8 4-Dr Sedan | $318 | $622 | $294 | $18 | $88 | $1,365 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| 300 Touring Plus 4-Dr Sedan | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| 300 Touring AWD 4-Dr | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| 300 S V6 4-Dr Sedan | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| 300 Touring Signature 4-Dr Sedan | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| 300 Touring Executive 4-Dr Sedan | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| 300 Touring Signature AWD 4-Dr | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| 300 Limited 4-Dr Sedan | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| 300 C 4-Dr Sedan | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| 300 S V8 4-Dr Sedan | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| 300 Limited AWD 4-Dr | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| 300 C AWD 4-Dr | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| 300 SRT-8 4-Dr Sedan | $232 | $420 | $294 | $18 | $88 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in Seattle location which can change coverage prices greatly.
We can estimate from the data above that using a $100 deductible will cost you roughly $24 more each month or $288 a year than opting for the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 17 months between claims, you would more than likely save some money if you decide on a higher deductible.
Deductible analysis
The illustration below shows how choosing a deductible and can affect Chrysler 300 insurance rates for different age groups. The costs are based on a single male driver, comp and collision included, and no policy discounts are applied.
You may qualify for discounts for Chrysler 300 insurance in Seattle
Companies that sell car insurance don’t always publicize their entire list of discounts very clearly, so we took the time to find a few of the more well known and the more hidden credits that may apply to you. If you aren’t receiving every discount available, you’re paying more than you need to.
- Defensive Driver Discount – Participating in a safe driver class may get you a small discount and also improve your driving technique.
- Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on your policy.
- Save with a New Car – Insuring a new 300 is cheaper compared to insuring an older model.
- Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on 300 insurance in Seattle.
- Government Employees – Active or former government employment could cut as much as 10% off with a few car insurance companies.
- Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their Seattle auto insurance quote than drivers with accidents.
- Active Service Discounts – Being deployed in the military may lower your premium rates slightly.
- First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate and GEICO allow you one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
- Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
Don’t be surprised that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you could get a free car insurance policy, you’re out of luck.
To choose companies that offer many of these discounts in Seattle, click this link.
When to get professional advice
When quoting and choosing adequate coverage, there really isn’t a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For example, these questions may help you determine whether your personal situation could use an agent’s help.
- Can I still get insurance after a DUI?
- Is water damage covered by my policy?
- What companies insure drivers after a DUI or DWI?
- Why am I required to buy liability insurance?
- What is GAP insurance?
- Do I get a pro-rated refund if I cancel my policy early?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Insurance agents near you
Certain consumers still like to get professional advice from a licensed agent and doing that can be a smart decision One of the best bonuses of getting free rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. And supporting local insurance agents is still important in Seattle.
After filling out this short form, your information is submitted to local insurance agents who will give you quotes to get your business. You won’t even need to visit any agencies as quotes are delivered to your email. You can get cheaper insurance rates AND a local agent. In the event you want to get a price quote from a specific company, don’t hesitate to navigate to their website and fill out the quote form the provide.
If you want a local agent, it’s important to understand the different types of agencies that you can select. Insurance agents in Seattle are considered either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Agents of this type do not work for one specific company so they can write business with a variety of different insurance companies depending on which coverage is best. If you want to switch companies, an independent agent can move your coverage and you stay with the same agent. If you are comparing rate quotes, it’s a good idea to get several quotes from at least one independent agent to have the most options to choose from. They often place coverage with lesser-known insurance companies that may have much lower rates than larger companies.
The following is a list of independent insurance agencies in Seattle who may provide free price quotes.
- Cairns Insurance Agency
13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map - Seattle Insurance
2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map - Grange Insurance Association
200 Cedar St – Seattle, WA 98121 – (800) 247-2643 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm, Allstate and AAA. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents receive extensive training in insurance sales which helps offset the inability to provide other markets. Consumers often purchase coverage from exclusives partially due to the brand name and the convenience of having all coverages with one company.
Shown below are exclusive insurance agencies in Seattle that can give you comparison quotes.
- Terry Gangon – State Farm Insurance Agent
4727 44th Ave SW Ste 100 – Seattle, WA 98116 – (206) 935-9955 – View Map - Raymond Insurance-Pemco and Progressive
6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map - Allstate Insurance: Josh Boender
4453 California Ave SW – Seattle, WA 98116 – (206) 932-2191 – View Map
Picking an insurance agent requires you to look at more than just the price. Ask your prospective agent these questions:
- Is their price quote a firm figure or are their hidden costs?
- How often do they review coverages?
- What is the agency’s Better Business Bureau rating?
- Can you contact them at any time?
- By raising physical damage deductibles, how much would you save?
- Do they prorate repair cost based on vehicle mileage?
Be persistent and save
We just showed you a lot of information how to save on Chrysler 300 insurance in Seattle. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the biggest savings come from a lesser-known regional company. Regional companies often have lower premium rates on specific markets compared to the large companies like Allstate or State Farm.
When shopping online for auto insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big error on their part. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.
Additional information
- Teen Driver Licensing Information (iihs.org)
- Who Has Affordable Seattle Car Insurance Rates for Low Credit Scores? (FAQ)
- Who Has Affordable Seattle Auto Insurance for Single Moms? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Anti-Lock Brake FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)