How to Compare Buffalo Chrysler 300 Insurance

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Chrysler 300 insurance policy
Chrysler 300 insurance policy image courtesy of QuoteInspector.com

Discount Chrysler 300 insuranceIt's safe to conclude that insurance companies want to keep you from comparing rates. Consumers who compare other rates will probably buy a new policy because there is a significant possibility of finding lower prices. Surprisingly, a recent survey revealed that consumers who compared price quotes annually saved as much as $72 a month compared to drivers who never compared rates.

If finding budget-friendly insurance is your ultimate goal, then having some insight into the best way to shop and compare insurance coverage can make it easier for you to save money.

The easiest way to find cheaper Chrysler 300 insurance in Buffalo is to compare quotes once a year from companies who provide auto insurance in New York. Drivers can shop around by following these steps.

  • Step 1: Get a basic knowledge of individual coverages and the modifications you can make to keep rates down. Many risk factors that drive up the price like speeding tickets, careless driving and your credit history can be remedied by paying attention to minor details. Read the full article for additional tips to prevent expensive rate increases and get additional discounts that may have been overlooked.
  • Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from many different companies.
  • Step 3: Compare the new rates to your current policy premium to see if a cheaper price is available. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.

A good piece of advice is that you use the same deductibles and limits on each price quote and to quote with as many auto insurance providers as possible. Doing this enables a fair price comparison and the best rate selection.

The quickest method we recommend to get policy rate comparisons for Chrysler 300 insurance in Buffalo is to realize almost all companies have advanced systems to give rate comparisons. To begin a comparison, all you need to do is give them some information like whether the vehicles are used for commuting, whether or not you need a SR-22, if it has an alarm system, and how much coverage you want. That rating information gets transmitted to multiple top-rated companies and they return rate quotes instantly.

To check Chrysler 300 insurance prices now, click here then complete the form.

The companies shown below are ready to provide free rate quotes in New York. To buy cheaper car insurance in Buffalo, NY, it's highly recommended you visit two to three different companies in order to find the most affordable rates.

Insurance analysis for a Chrysler 300

The information below covers different insurance rates for Chrysler 300 models. Being able to understand how insurance policy premiums are calculated can be useful when making smart choices when choosing a car insurance company.

Chrysler 300 Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $258 $484 $264 $16 $80 $1,102 $92
300 Touring Plus 4-Dr Sedan $258 $484 $264 $16 $80 $1,102 $92
300 Touring AWD 4-Dr $258 $484 $264 $16 $80 $1,102 $92
300 S V6 4-Dr Sedan $258 $484 $264 $16 $80 $1,102 $92
300 Touring Signature 4-Dr Sedan $258 $484 $264 $16 $80 $1,102 $92
300 Touring Executive 4-Dr Sedan $258 $484 $264 $16 $80 $1,102 $92
300 Touring Signature AWD 4-Dr $286 $558 $264 $16 $80 $1,204 $100
300 Limited 4-Dr Sedan $286 $558 $264 $16 $80 $1,204 $100
300 C 4-Dr Sedan $286 $558 $264 $16 $80 $1,204 $100
300 S V8 4-Dr Sedan $286 $558 $264 $16 $80 $1,204 $100
300 Limited AWD 4-Dr $286 $558 $264 $16 $80 $1,204 $100
300 C AWD 4-Dr $286 $558 $264 $16 $80 $1,204 $100
300 SRT-8 4-Dr Sedan $286 $558 $264 $16 $80 $1,204 $100
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in Buffalo location which can raise or lower coverage rates substantially.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The figures shown below highlight the costs and benefits when you choose different physical damage coverage deductibles. The first table uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Chrysler 300 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
300 Touring Plus 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
300 Touring AWD 4-Dr $230 $406 $264 $16 $80 $1,021 $85
300 S V6 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
300 Touring Signature 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
300 Touring Executive 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
300 Touring Signature AWD 4-Dr $258 $468 $264 $16 $80 $1,111 $93
300 Limited 4-Dr Sedan $258 $468 $264 $16 $80 $1,111 $93
300 C 4-Dr Sedan $258 $468 $264 $16 $80 $1,111 $93
300 S V8 4-Dr Sedan $258 $468 $264 $16 $80 $1,111 $93
300 Limited AWD 4-Dr $258 $468 $264 $16 $80 $1,111 $93
300 C AWD 4-Dr $258 $468 $264 $16 $80 $1,111 $93
300 SRT-8 4-Dr Sedan $258 $468 $264 $16 $80 $1,111 $93
Get Your Own Custom Quote Go
Chrysler 300 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
300 Touring Plus 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
300 Touring AWD 4-Dr $142 $256 $264 $16 $80 $758 $63
300 S V6 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
300 Touring Signature 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
300 Touring Executive 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
300 Touring Signature AWD 4-Dr $158 $294 $264 $16 $80 $812 $68
300 Limited 4-Dr Sedan $158 $294 $264 $16 $80 $812 $68
300 C 4-Dr Sedan $158 $294 $264 $16 $80 $812 $68
300 S V8 4-Dr Sedan $158 $294 $264 $16 $80 $812 $68
300 Limited AWD 4-Dr $158 $294 $264 $16 $80 $812 $68
300 C AWD 4-Dr $158 $294 $264 $16 $80 $812 $68
300 SRT-8 4-Dr Sedan $158 $294 $264 $16 $80 $812 $68
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can increase or decrease prices noticeably.

Based on the figures above, using a $250 deductible costs about $23 more each month or $276 every year averaged for all 300 models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 33 months between claims, you would most likely save money if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $89
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

The chart below highlights how deductible selection and can affect Chrysler 300 annual premium costs for different age categories. The rates are based on a married male driver, full coverage, and no policy discounts are applied.

Full coverage rates compared to liability-only

The information below shows the difference between Chrysler 300 annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents, no driving violations, $250 deductibles, single marital status, and no other discounts are factored in.

When to drop full coverage

There is no clear-cut formula of when to phase out physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's assume your Chrysler 300 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after you pay the deductible. If you are currently paying more than $400 annually for your policy with full coverage, then it might be time to buy liability only.

There are a few cases where removing full coverage is not recommended. If you haven't paid off your loan, you have to carry full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Shop online but buy locally

Certain consumers would rather buy from a licensed agent and that is just fine! The biggest benefit of price shopping on the web is that you can find lower premium rates but also keep your business local. Putting coverage with local insurance agencies is important particularly in Buffalo.

Find insurance agent in BuffaloBy using this simple form, your coverage information is submitted to agents in your area that can provide free Buffalo car insurance quotes and help you find cheaper coverage. It's much easier because you don't need to search for an agent as quotes are delivered to the email address you provide. You can find better rates without requiring a lot of work. If you need to compare prices from one company in particular, don't hesitate to find their quoting web page and fill out the quote form the provide.

Multiple types of auto insurance agents in Buffalo

When researching a reliable insurance agent, it helps to know the two different types of agencies and how they differ in how they quote coverages. Buffalo agents can be categorized as either exclusive or independent.

Independent Car Insurance Agencies

Independent agents often have many company appointments so they can insure your vehicles through many companies and get the cheapest rates. To move your coverage to a new company, they can switch companies in-house which requires no work on your part.

When comparing rate quotes, it's a good idea to get rate quotes from independent agents for the best price selection.

Shown below is a small list of independent insurance agents in Buffalo who may provide price quotes.


3411 Delaware Ave # 7 - Buffalo, NY 14217 - (716) 874-1400 - View Map


801 Main St - Buffalo, NY 14203 - (716) 853-3820 - View Map

Centinello Insurance
1274 Bailey Ave # 1 - Buffalo, NY 14206 - (716) 893-4332 - View Map

More insurance agents

Exclusive Agencies

Agents in the exclusive channel can only place business with one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are highly trained in insurance sales which can be an advantage.

The following are exclusive agents in Buffalo who can help you get comparison quotes.


2460 Main St - Buffalo, NY 14214 - (716) 931-5200 - View Map


615 Elmwood Ave - Buffalo, NY 14222 - (716) 783-9460 - View Map


6699 Transit Road - Buffalo, NY 14221 - (716) 810-1500 - View Map

More insurance agents

Deciding on a auto insurance agent requires you to look at more than just the premium amount. Here are some questions to ask:

  • Is there a local claims center in Buffalo?
  • Does the agency have a current Errors and Omissions policy?
  • Can you choose the body shop in case repairs are needed?
  • Is the agency involved in supporting local community causes?
  • Is assistance available after office hours?