Did a good deal turn out to be overpriced Chrysler 300 insurance in Milwaukee? Believe me when I say there are many people just like you.
A recent insurance study discovered that most insurance buyers have stayed with the same insurance company for over three years, and practically 40% of insurance customers have never compared rates with other companies. With the average insurance premium being $1,343, Milwaukee drivers could save roughly 30% each year, but most just don’t grasp the amount of savings they would get if they switched.
Consumers have multiple insurance companies to buy insurance from, and even though it’s nice to have multiple companies, having more auto insurance companies makes it harder to find the best rates for your vehicles.
Consumers need to check insurance prices before your policy renews because rates are variable and change quite frequently. Even if you got the best deal on Chrysler 300 insurance in Milwaukee two years ago you can probably find a better price now. You can find a lot of information about 300 insurance out there, but by reading this article, you’re going to learn a bunch of ideas how to slash your insurance rates in Milwaukee.
Companies offering Chrysler 300 insurance in Wisconsin
The companies shown below offer free rate quotes in Wisconsin. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $112 | $204 | $236 | $14 | $70 | $636 | $53 |
| 300 Touring Plus 4-Dr Sedan | $192 | $398 | $298 | $18 | $90 | $996 | $83 |
| 300 Touring AWD 4-Dr | $106 | $218 | $242 | $14 | $72 | $652 | $54 |
| 300 S V6 4-Dr Sedan | $120 | $218 | $234 | $14 | $70 | $656 | $55 |
| 300 Touring Signature 4-Dr Sedan | $140 | $278 | $242 | $14 | $72 | $746 | $62 |
| 300 Touring Executive 4-Dr Sedan | $140 | $278 | $260 | $16 | $78 | $772 | $64 |
| 300 Touring Signature AWD 4-Dr | $244 | $558 | $278 | $16 | $84 | $1,180 | $98 |
| 300 Limited 4-Dr Sedan | $178 | $376 | $278 | $16 | $84 | $932 | $78 |
| 300 C 4-Dr Sedan | $106 | $212 | $216 | $12 | $64 | $610 | $51 |
| 300 S V8 4-Dr Sedan | $204 | $374 | $236 | $14 | $70 | $898 | $75 |
| 300 Limited AWD 4-Dr | $166 | $302 | $236 | $14 | $70 | $788 | $66 |
| 300 C AWD 4-Dr | $238 | $548 | $298 | $18 | $90 | $1,192 | $99 |
| 300 SRT-8 4-Dr Sedan | $276 | $596 | $310 | $18 | $92 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific location which can impact coverage prices considerably.
Chrysler 300 insurance rates by gender in Milwaukee
The diagram below illustrates the comparison of Chrysler 300 auto insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.
Discounts for cheaper car insurance quotes
Insuring your vehicles can cost a lot, but you may qualify for discounts that could help you make your next renewal payment. Some discounts apply automatically at quote time, but occasionally some discounts must be specially asked for prior to getting the savings.
- Onboard Data Collection – People who choose to allow their insurance company to analyze vehicle usage by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
- Good Student Discount – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Payment Discounts – By paying your entire bill at once as opposed to paying monthly you may have a lower total premium amount.
- Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on the same car insurance policy can reduce the rates for all insured vehicles.
- Discount for Multiple Policies – If you can combine your homeowners and auto policy and place coverage with the same company you could earn a discount of approximately 10% to 15%.
- Low Mileage – Maintaining low annual mileage can earn discounted premium rates on garaged vehicles.
- No Accidents – Claim-free drivers pay much less compared to drivers who are more careless.
- Organization Discounts – Affiliation with a qualifying organization could earn you a nice discount when getting a Milwaukee car insurance quote.
Keep in mind that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.
A few of the larger companies and some of the premium reductions they offer are shown below.
- AAA includes discounts for education and occupation, anti-theft, multi-car, good student, multi-policy, and good driver.
- Progressive offers discounts including homeowner, good student, multi-vehicle, online quote discount, continuous coverage, online signing, and multi-policy.
- State Farm policyholders can earn discounts including accident-free, good driver, Steer Clear safe driver discount, Drive Safe & Save, good student, student away at school, and multiple policy.
- Esurance offers discounts for homeowner, anti-theft, Switch & Save, multi-car, and good driver.
- Nationwide has savings for multi-policy, business or organization, Farm Bureau membership, accident-free, defensive driving, and anti-theft.
When getting a coverage quote, ask every company which discounts they offer. Savings may not be available everywhere. To see car insurance companies who offer online Chrysler 300 insurance quotes in Milwaukee, click this link.
Do I need special coverages?
When buying the right insurance coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if you might need an agent’s assistance.
- Does low annual mileage earn a discount?
- Am I covered if I crash into my own garage door?
- Does coverage extend to a rental car in a foreign country?
- Which companies will insure me after a DUI?
- When would I need rental car insurance?
- Do I need replacement cost coverage on my Chrysler 300?
If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Local agents and car insurance
A lot of people would prefer to get advice from a local agent and that is just fine! One of the best bonuses of getting free rate quotes online is that you can obtain cheap car insurance quotes and also buy local. Buying from neighborhood insurance agencies is still important in Milwaukee.
After completing this form (opens in new window), your information is emailed to local insurance agents in Milwaukee who will return price quotes for your coverage. You won’t need to contact any agents because quoted prices will be sent to you instantly. It’s the lowest rates AND a local agent. If you have a need to get a rate quote from a particular provider, just go to their quote page and submit a quote form there.
The type of car insurance agent you choose is important
If you’re trying to find a good Milwaukee insurance agent, it’s helpful to know the different types of agencies that you can select. Agencies in Milwaukee can either be independent (non-exclusive) or exclusive.
Independent Agencies or Brokers
Independent agents are not locked into one company and that is an advantage because they can write policies through lots of different companies and potentially find a lower price. If they quote lower rates, they can switch companies in-house which makes it simple for you.
When searching for an agent, it’s recommended you get some free quotes from independent agents to get the most accurate price comparison.
The following is a list of independent insurance agencies in Milwaukee who can help you get price quote information.
B and J Insurance Agency, Inc.
4234 N 76th St – Milwaukee, WI 53222 – (414) 461-4120 – View Map
Butzer Insurance Agency
7311 W Burleigh St – Milwaukee, WI 53210 – (414) 445-9585 – View Map
Tilley Insurance
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561 – View Map
Exclusive Agencies
Exclusive agents generally can only insure with one company such as Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on sales techniques which helps overcome the inability to quote other rates.
Below is a short list of exclusive agents in Milwaukee that can give you price quotes.
American Family Insurance – Jaime Mercado
709 W Layton Ave – Milwaukee, WI 53221 – (414) 481-4400 – View Map
American Family Insurance – Angelica Angel
5220 S 27th St – Milwaukee, WI 53221 – (414) 282-3600 – View Map
Progressive Insurance – Milwaukee Service Center
3442 S 103rd St – Milwaukee, WI 53227 – (414) 944-5200 – View Map
Finding the right insurance agency should include more criteria than just the premium amount. These questions are important to ask:
- Can you use your own choice of collision repair facility?
- Is the coverage adequate for your vehicle?
- Which companies do they recommend if they are an independent agency?
- Are claims handled at the agent’s location?
- Will a damage claim use OEM or aftermarket replacement parts?
- What will you get paid if your car is a total loss? How is that amount determined?
In the end, you can save money
We covered quite a bit of information on how to compare Chrysler 300 insurance rates in Milwaukee. The key concept to understand is the more rate comparisons you have, the better likelihood of getting the cheapest Chrysler 300 rate quotes. Consumers may even find the lowest rates are with the least-expected company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.
When shopping online for car insurance, it’s a bad idea to reduce needed coverages to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
Additional information can be found on the following sites:
- What is Gap Insurance? (Insurance Information Institute)
- How Much is Auto Insurance After a Speeding Ticket in Milwaukee? (FAQ)
- Who Has Cheap Car Insurance for Drivers Under 25 in Milwaukee? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Ford Escape in Milwaukee? (FAQ)
- Who Has Affordable Milwaukee Auto Insurance for 4×4 Vehicles? (FAQ)
- Who Has Cheap Auto Insurance for First-time Drivers in Milwaukee? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)