Insurance for Chrysler 300Would you like to find more competitive Chrysler 300 insurance in Henderson? I doubt anyone rejoices having to buy car insurance, especially when they know it costs too dang much.

A study showed that a large majority of drivers in Nevada have been with the same company for over three years, and just under half have never quoted car insurance rates at all. Drivers in America can save up to $860 each year by just comparing quotes, but most tend to underestimate how much they could save if they just switched companies.

Due to the large number of different company options, it can be hard to locate the best insurance company.

Low-cost Chrysler insurance rates in Henderson

The companies shown below provide price quotes in Henderson, NV. If multiple companies are shown, we recommend you get rates from several of them in order to find the most competitive rates.

Chrysler 300 Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $290 $554 $314 $18 $94 $1,270 $106
300 Touring Plus 4-Dr Sedan $258 $554 $348 $20 $104 $1,284 $107
300 Touring AWD 4-Dr $188 $392 $348 $20 $104 $1,052 $88
300 S V6 4-Dr Sedan $260 $464 $314 $18 $94 $1,150 $96
300 Touring Signature 4-Dr Sedan $142 $292 $348 $20 $104 $906 $76
300 Touring Executive 4-Dr Sedan $258 $582 $348 $20 $104 $1,312 $109
300 Touring Signature AWD 4-Dr $290 $534 $314 $18 $94 $1,250 $104
300 Limited 4-Dr Sedan $272 $500 $318 $18 $96 $1,204 $100
300 C 4-Dr Sedan $258 $560 $348 $20 $104 $1,290 $108
300 S V8 4-Dr Sedan $234 $496 $400 $24 $120 $1,274 $106
300 Limited AWD 4-Dr $168 $314 $318 $18 $96 $914 $76
300 C AWD 4-Dr $168 $314 $318 $18 $96 $914 $76
300 SRT-8 4-Dr Sedan $370 $800 $416 $24 $124 $1,734 $145
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in your specific Henderson location which can modify coverage rates noticeably.

Physical damage deductibles

The hardest decision when buying coverage is how high should your deductibles be. The rates below can help show how much more you'll pay between high and low deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Chrysler 300 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
300 Touring Plus 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
300 Touring AWD 4-Dr $268 $472 $308 $18 $92 $1,183 $99
300 S V6 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
300 Touring Signature 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
300 Touring Executive 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
300 Touring Signature AWD 4-Dr $300 $544 $308 $18 $92 $1,287 $107
300 Limited 4-Dr Sedan $300 $544 $308 $18 $92 $1,287 $107
300 C 4-Dr Sedan $300 $544 $308 $18 $92 $1,287 $107
300 S V8 4-Dr Sedan $300 $544 $308 $18 $92 $1,287 $107
300 Limited AWD 4-Dr $300 $544 $308 $18 $92 $1,287 $107
300 C AWD 4-Dr $300 $544 $308 $18 $92 $1,287 $107
300 SRT-8 4-Dr Sedan $300 $544 $308 $18 $92 $1,287 $107
Get Your Own Custom Quote Go
Chrysler 300 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
300 Touring 4-Dr Sedan $218 $382 $308 $18 $92 $1,018 $85
300 Touring Plus 4-Dr Sedan $218 $382 $308 $18 $92 $1,018 $85
300 Touring AWD 4-Dr $218 $382 $308 $18 $92 $1,018 $85
300 S V6 4-Dr Sedan $218 $382 $308 $18 $92 $1,018 $85
300 Touring Signature 4-Dr Sedan $218 $382 $308 $18 $92 $1,018 $85
300 Touring Executive 4-Dr Sedan $218 $382 $308 $18 $92 $1,018 $85
300 Touring Signature AWD 4-Dr $244 $438 $308 $18 $92 $1,100 $92
300 Limited 4-Dr Sedan $244 $438 $308 $18 $92 $1,100 $92
300 C 4-Dr Sedan $244 $438 $308 $18 $92 $1,100 $92
300 S V8 4-Dr Sedan $244 $438 $308 $18 $92 $1,100 $92
300 Limited AWD 4-Dr $244 $438 $308 $18 $92 $1,100 $92
300 C AWD 4-Dr $244 $438 $308 $18 $92 $1,100 $92
300 SRT-8 4-Dr Sedan $244 $438 $308 $18 $92 $1,100 $92
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific Henderson garaging location which can decrease or increase prices noticeably.

Using the data above, we can ascertain that using a $250 deductible costs roughly $14 more each month or $168 a year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 18 months between claim filings, you would more than likely save some money by going with a higher deductible.

Chrysler 300 insurance rates by age and gender

The diagram below illustrates the difference between Chrysler 300 insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

Cost comparison with and without full coverage

The chart below shows the comparison of Chrysler 300 insurance costs with and without full coverage. The data assumes no driving violations, no at-fault accidents, $500 deductibles, single male driver, and no policy discounts are applied.

Are you wasting money on full coverage?

There is no definitive rule to delete comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Chrysler 300 book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying the physical damage deductible. If premium cost is more than $500 annually for physical damage coverage, then it might be time to buy liability only.

There are some situations where only buying liability is not recommended. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Score discounts to get cheaper Henderson auto insurance quotes

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be specifically requested before you will receive the discount.Auto insurance discounts

One thing to note about discounts is that some credits don't apply to the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, it's just not the way it works. But any discount will reduce your policy premium.

A few popular companies and the discounts they provide can be read below.

If you need the cheapest Chrysler 300 rate quotes, ask every prospective company which discounts can lower your rates. Some discounts might not apply everywhere. To view providers that can offer you the previously mentioned discounts in Henderson, click this link.

Do I need a local insurance agent?

Some people still prefer to have an agent's advice and often times that is recommended A nice benefit of comparing rates online is that you can obtain cheap insurance rates and still choose a local agent. And buying from local agents is definitely important in Henderson.

Find insurance agent in HendersonTo help locate an agent, after submitting this quick form, the quote information is transmitted to local insurance agents in Henderson that can give you free Henderson auto insurance quotes and help you find cheaper coverage. There is no need to search for any insurance agencies since rate quotes are delivered to you. Get lower rates without requiring a lot of work. If you need to get a comparison quote from a particular provider, feel free to go to their quote page and fill out the quote form the provide.

If you are searching for a reliable insurance agent, there are a couple of types of agencies from which to choose. Agencies in Henderson are categorized either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Agents that choose to be independent often have affiliation with several companies so as a result can place your coverage amongst many companies and find you the best rates. If you are not satisfied with one company, they simply move the coverage in-house and you don't have to find a new agent. When comparing insurance prices, it's a good idea to check rates from a couple of independent agencies so that you can do a thorough price comparison.

Listed below is a small list of independent agencies in Henderson that may be able to give you free insurance rate quotes.


1371 W Warm Springs Rd - Henderson, NV 89014 - (702) 907-0000 - View Map


3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map


1120 Wigwam Pkwy #100 - Henderson, NV 89052 - (702) 430-7764 - View Map

More insurance agents

Exclusive Insurance Agents

Exclusive agencies are contracted to one company and some examples include Allstate and State Farm. They are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are trained well on sales techniques and that allows them to sell at a higher price point.

The following is a list of exclusive agencies in Henderson willing to provide price quotes.


3215 St Rose Pkwy Ste 120 - Henderson, NV 89052 - (702) 233-8372 - View Map


229 N Pecos Rd #110 - Henderson, NV 89074 - (702) 434-1230 - View Map


181 N Arroyo Grande Blvd #100 - Henderson, NV 89074 - (702) 262-5525 - View Map

More insurance agents

Finding the right insurance agency is decision based upon more than just a cheap price quote. A good agent in Henderson will have answers to these questions.

Insurance coverage breakdown

Knowing the specifics of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Comprehensive or Other Than Collision - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, hail damage and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like rehabilitation expenses, hospital visits, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Chrysler 300.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/10), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages - This covers damage to your 300 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your 300 to get cheaper collision coverage.

Liability - This can cover damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. Liability doesn't cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, loss of income and medical expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Nevada requires minimum liability limits of 15/30/10 but drivers should carry more liability than the minimum.

Get the best coverage at the lowest price

We just showed you quite a bit of information on how to get a better price on Chrysler 300 insurance in Henderson. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the biggest savings come from a small local company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like GEICO and State Farm.

Some companies do not offer online price quotes and these small insurance companies work with independent agencies. Lower-priced auto insurance in Henderson is attainable from both online companies in addition to many Henderson insurance agents, so you need to compare both to have the best selection.

When searching for inexpensive Henderson auto insurance quotes, never reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret they didn't have enough coverage. The ultimate goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

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