It’s easy to assume that insurance companies don’t want you quoting rates from other companies. Consumers who get price comparisons are likely to switch car insurance companies because of the good chance of getting low-cost coverage. A recent survey discovered that drivers who routinely shopped around saved an average of $70 a month compared to people who never compared rates.
If finding the best rates on car insurance is your objective, then having a grasp of how to quote and compare coverage rates can help you succeed in saving money.
The best way we recommend to get cheaper car insurance rates in Oakland is to compare prices annually from providers who can sell car insurance in California. Price quotes can be compared by completing these steps.
Step 1: Spend some time learning about coverages and the changes you can make to prevent rate increases. Many rating factors that drive up the price such as speeding tickets, careless driving and a bad credit rating can be amended by paying attention to minor details.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or State Farm, while agents who are independent can provide prices from multiple sources. Begin your rate comparison
Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper price is available. If you can save money and change companies, make sure coverage is continuous and does not lapse.
Step 4: Notify your company or agent of your decision to cancel your current coverage. Submit the application along with any required down payment to the new company. Be sure to keep your new proof of insurance paperwork in your vehicle.
A crucial key to this process is that you’ll want to compare the same deductibles and limits on each quote and and to analyze as many different insurance providers as possible. Doing this enables an accurate price comparison and a good representation of prices.
Locating the best rates in Oakland is not that difficult. If you have insurance now or are shopping for new coverage, you can use this information to reduce premiums without having to cut coverage. Drivers just need to understand the most time-saving way to shop for auto insurance from multiple carriers.
The best way to compare car insurance company rates for Chrysler 300 insurance in Oakland takes advantage of the fact most of the bigger providers have advanced systems to give free rates quotes. The only thing you need to do is give the companies some data like if you are currently licensed, how old drivers are, distance driven, and if the car is leased. The data is sent automatically to many different companies and they return rate quotes immediately.
To compare rates for your Chrysler 300 now, click here then complete the form.
The companies shown below provide price comparisons in California. If you want the cheapest auto insurance in California, we recommend you get rate quotes from several of them to get a more complete price comparison.
Analysis of Chrysler 300 rates
The rate table displayed next highlights a range of rate quotes for Chrysler 300 models. Being able to understand how insurance policy premiums are determined can benefit drivers when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| 300 Touring Plus 4-Dr Sedan | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| 300 Touring AWD 4-Dr | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| 300 S V6 4-Dr Sedan | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| 300 Touring Signature 4-Dr Sedan | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| 300 Touring Executive 4-Dr Sedan | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| 300 Touring Signature AWD 4-Dr | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| 300 Limited 4-Dr Sedan | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| 300 C 4-Dr Sedan | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| 300 S V8 4-Dr Sedan | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| 300 Limited AWD 4-Dr | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| 300 C AWD 4-Dr | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| 300 SRT-8 4-Dr Sedan | $468 | $1072 | $534 | $32 | $160 | $2,266 | $189 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can increase or decrease coverage prices greatly.
Should you raise deductibles?
When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates may aid in understanding the rate differences between low and high coverage deductibles. The first table uses a $250 deductible and the second rate chart uses a $1,000 deductible.
| 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 | |||||||
| 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 | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can alter coverage prices considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $38 more each month or $456 for a full year averaged for all 300 models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 20 months between claim filings, you would probably come out ahead if you decide on a higher deductible. The numbers below show a better example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $147 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $38 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $38 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
Rate comparison of men versus women
The diagram below visualizes the comparison of Chrysler 300 auto insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Your situation helps dictate your coverage
Always keep in mind that when comparing a policy for your personal vehicles, there really isn’t a “best” method to buy coverage. Your needs are unique to you.
Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.
- Can I drive in Mexico and have coverage?
- How high should deductibles be on a Chrysler 300?
- How long can I keep a teen driver on my policy?
- Is extra glass coverage worth it?
- How does medical payments coverage work?
- Am I covered if hit by an uninsured driver?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Are car insurance agents obsolete?
Some people still like to talk to an insurance agent and that is a smart decision Most agents can make sure you are properly covered and help file insurance claims. A nice benefit of price shopping on the web is the fact that drivers can get the best rates and also buy local.
To help locate an agent, after submitting this simple form, your coverage information gets sent to agents in your area that can provide free Oakland car insurance quotes to get your business. You won’t even need to contact an agency since rate quotes are delivered to you instantly. If you need to get a rate quote from a specific insurance company, don’t hesitate to search and find their rate quote page to submit a rate quote request.
Finding the right company shouldn’t rely on just a low price. Below are some questions you should ask.
- Do you work with a CSR or direct with the agent?
- How many companies do they write for?
- Are they giving you every discount you deserve?
- Do they reduce claim amounts on high mileage vehicles?
- Are they actively involved in the community?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they have any clout with companies to ensure a fair claim settlement?
- Will the quote change when the policy is issued?
Ratings for California car insurance companies
Finding the highest-rated company can be rather challenging considering how many choices drivers have in Oakland. The ranking information below can help you decide which car insurance providers to look at comparing rates with.
Top 10 Oakland Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Oakland Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive