Save on Chrysler 300 Insurance in Jersey City

Insurance quote for Chrysler 300 in Jersey CityIf you want to save money, the best way to find discount Chrysler 300 insurance in Jersey City is to start doing an annual price comparison from different companies who provide auto insurance in New Jersey.

  1. Get an understanding of what is in your policy and the factors you can control to prevent high rates. Many things that cause rate increases like tickets, at-fault accidents, and a lousy credit rating can be improved by making minor changes to your lifestyle.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can quote rates from multiple companies.
  3. Compare the price quotes to your current policy to determine if you can save on 300 insurance in Jersey City. If you can save money, ensure coverage does not lapse between policies.
  4. Provide adequate notice to your current company to cancel your existing policy and submit a down payment along with a completed application for your new policy. Be sure to put the new certificate verifying coverage with your registration paperwork.

A key point to remember is to try to compare the same level of coverage on each price quote and and to compare every company you can. This enables a fair rate comparison and maximum price selection.

It’s an obvious statement that car insurance companies don’t want their policyholders to compare prices. Insureds who shop around for the cheapest price will presumably switch auto insurance companies because they have good chances of finding a lower rate. A study discovered that drivers who routinely compared quotes saved $865 annually compared to policyholders who never compared rates.

If finding the lowest price on car insurance is your ultimate goal, then having a good understanding how to compare coverage rates can help you succeed in finding affordable rates.

If you are already insured or are just looking to switch companies, you can use these tips to get lower rates without reducing coverage. Finding the cheapest insurance coverage in Jersey City is really quite easy. Smart shoppers just need to use the best way to get comparison rates online.

Discounts for cheap auto insurance rates

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not know about. A few discounts will be applied when you purchase, but a few must be specifically requested prior to getting the savings.

As a disclaimer on discounts, most discounts do not apply to the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will reduce your overall bill.

The information below shows the difference between Chrysler 300 insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims or driving citations, New Jersey state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.

To see insurance companies with the best discounts in Jersey City, click this link.

Most larger insurance companies make it easy to get coverage prices on the web. Obtaining pricing for Chrysler 300 insurance in Jersey City is quite easy because it’s just a matter of typing in your personal and coverage information into the form. When complete, their system sends out for information on your driving record and credit history and returns pricing information based on many factors. Using the web to get rates for Chrysler 300 insurance in Jersey City makes comparing rates easy, and it’s absolutely necessary to perform this step if you want to find a better rate.

To find out how much you’re overpaying now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you type in your coverages exactly as shown on your declarations page. This helps ensure you will have rate comparison quotes based on identical coverages.

The companies shown below have been selected to offer price quotes in New Jersey. If you want to find the best cheap auto insurance in NJ, we recommend you visit several of them to get a more complete price comparison.

Chrysler 300 insurance rates and statistics

The coverage information displayed below showcases a range of coverage prices for Chrysler 300 models. Being aware of how premiums are figured can aid in making decisions when shopping your coverage around.


Chrysler 300 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $424 $810 $496 $30 $148 $1,908 $159
300 Touring Plus 4-Dr Sedan $424 $810 $496 $30 $148 $1,908 $159
300 Touring AWD 4-Dr $424 $810 $496 $30 $148 $1,908 $159
300 S V6 4-Dr Sedan $424 $810 $496 $30 $148 $1,908 $159
300 Touring Signature 4-Dr Sedan $424 $810 $496 $30 $148 $1,908 $159
300 Touring Executive 4-Dr Sedan $424 $810 $496 $30 $148 $1,908 $159
300 Touring Signature AWD 4-Dr $474 $932 $496 $30 $148 $2,080 $173
300 Limited 4-Dr Sedan $474 $932 $496 $30 $148 $2,080 $173
300 C 4-Dr Sedan $474 $932 $496 $30 $148 $2,080 $173
300 S V8 4-Dr Sedan $474 $932 $496 $30 $148 $2,080 $173
300 Limited AWD 4-Dr $474 $932 $496 $30 $148 $2,080 $173
300 C AWD 4-Dr $474 $932 $496 $30 $148 $2,080 $173
300 SRT-8 4-Dr Sedan $474 $932 $496 $30 $148 $2,080 $173
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in your specific Jersey City location which can revise coverage prices considerably.

Where to set your deductibles

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The following insurance rates can help you visualize the price difference when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.


Chrysler 300 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
300 Touring Plus 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
300 Touring AWD 4-Dr $420 $738 $480 $28 $144 $1,835 $153
300 S V6 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
300 Touring Signature 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
300 Touring Executive 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
300 Touring Signature AWD 4-Dr $466 $848 $480 $28 $144 $1,991 $166
300 Limited 4-Dr Sedan $466 $848 $480 $28 $144 $1,991 $166
300 C 4-Dr Sedan $466 $848 $480 $28 $144 $1,991 $166
300 S V8 4-Dr Sedan $466 $848 $480 $28 $144 $1,991 $166
300 Limited AWD 4-Dr $466 $848 $480 $28 $144 $1,991 $166
300 C AWD 4-Dr $466 $848 $480 $28 $144 $1,991 $166
300 SRT-8 4-Dr Sedan $466 $848 $480 $28 $144 $1,991 $166
Get Your Own Custom Quote Go

Chrysler 300 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
300 Touring Plus 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
300 Touring AWD 4-Dr $258 $464 $480 $28 $144 $1,374 $115
300 S V6 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
300 Touring Signature 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
300 Touring Executive 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
300 Touring Signature AWD 4-Dr $288 $534 $480 $28 $144 $1,474 $123
300 Limited 4-Dr Sedan $288 $534 $480 $28 $144 $1,474 $123
300 C 4-Dr Sedan $288 $534 $480 $28 $144 $1,474 $123
300 S V8 4-Dr Sedan $288 $534 $480 $28 $144 $1,474 $123
300 Limited AWD 4-Dr $288 $534 $480 $28 $144 $1,474 $123
300 C AWD 4-Dr $288 $534 $480 $28 $144 $1,474 $123
300 SRT-8 4-Dr Sedan $288 $534 $480 $28 $144 $1,474 $123
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can revise auto insurance rates substantially.

We can estimate from the data above that using a $250 deductible would cost the average driver about $41 more each month or $492 a year averaged for all 300 models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 18 months between claim filings, you would come out ahead if you decide on a higher deductible.

Comparison of insurance rates by age and gender in Jersey City

The illustration below shows the difference between Chrysler 300 insurance costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.

Difference between liability only and full coverage rates

The illustration below illustrates the difference between Chrysler 300 auto insurance costs with liability coverage only compared to full coverage. The premiums are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no set guideline for phasing out full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Chrysler 300 replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your policy deductible. If it’s costing you more than $600 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some scenarios where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Lower Your Jersey City Insurance Prices

Lots of things are used in the calculation when quoting car insurance. Some are obvious like a motor vehicle report, although others are not quite as obvious such as whether you are married or your financial responsibility.

Car insurance is available from agents near you

Some consumers would rather go talk to an agent and that can be a smart move Good agents can help you choose the best coverages and will help you if you have claims. One of the great benefits of comparing rate quotes online is you can get cheap car insurance rates and still buy from a local agent. Supporting neighborhood insurance agencies is important especially in Jersey City.

Find insurance agent in Jersey CityOnce you complete this quick form, your coverage information is emailed to local insurance agents in Jersey City who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents as quotes are delivered to your email. If you need to compare prices from one company in particular, you just need to jump over to their website and submit a quote form there.

Best car insurance agent in Jersey City

When searching for a reliable insurance agent, there are a couple of types of insurance agents and how they function. Car insurance agents can either be independent or exclusive depending on the company they work for. Both can do a good job, but we need to point out the differences since it can impact which type of agent you select.

Independent Agents (or Brokers)

Independent agents often have affiliation with several companies and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If prices rise, they simply switch companies in-house and you don’t have to do anything. If you are trying to find cheaper rates, you should always get several quotes from multiple independent agents to have the best price comparison.

Listed below is a list of independent insurance agents in Jersey City who may provide price quotes.

GG Insurance – Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14DJersey City, NJ 07302(800) 801-0394View Map


300 Exchange PlJersey City, NJ 07311(201) 743-4000View Map


155 Martin Luther King Dr BJersey City, NJ 07305(201) 451-3200View Map

More insurance agents

Exclusive Car Insurance Agencies

Exclusive insurance agents normally can only provide a single company’s rates like American Family, State Farm, and AAA. They generally cannot compare rates from other companies so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on their company’s products and that can be a competitive advantage.

The following are Jersey City exclusive agents willing to provide rate quotes.


725 John F. Kennedy BlvdNorth Bergen, NJ 07047(201) 325-8880View Map


1025 Summit AveJersey City, NJ 07307(201) 604-3874View Map


844 Bergen AveJersey City, NJ 07306(201) 332-6999View Map

More insurance agents

Selecting an auto insurance agent needs to be determined by more than just the premium amount. These questions are important to ask:

Once you have received positive feedback to all your questions as well as an affordable premium quote, it’s possible that you found a car insurance agent that is a good match to insure your vehicles.

Three reasons car insurance is important

Even though Jersey City 300 insurance rates can get expensive, paying for car insurance may be required for several reasons.

First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage in order to get the vehicle licensed. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your 300 has a loan, most banks will force you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chrysler at an extremely high rate and require you to pay the higher premium.

Third, insurance protects both your Chrysler 300 and your assets. Insurance will pay for medical bills for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if you cause an accident and are sued. If you have damage to your Chrysler as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying more than $825 a year so compare quotes from several companies at every policy renewal to make sure the price is not too high.

Cheaper insurance is a realistic goal

Low-cost Chrysler 300 insurance in Jersey City can be found on the web and also from your neighborhood Jersey City agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not have online rate quotes and usually these smaller providers sell through independent agents.

We covered many ways to compare Chrysler 300 insurance car insurance rates in Jersey City. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even discover the lowest priced insurance comes from a smaller regional carrier. Some small companies often have lower premium rates on specific markets than their larger competitors like Progressive and GEICO.

For more information, feel free to browse the following helpful articles: