300C and insurance rates - Chrysler 300C Forum: 300C & SRT8 Forums
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post #1 of 27 (permalink) Old 04-16-2007, 08:35 PM Thread Starter
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300C and insurance rates

Not to meddle in personal affairs, but what ballpark do most of you pay monthly for the V8 Chrysler 300? I'm 32, no accidents or tickets in 9 years, and am considering getting one when my lease is up. Does the V8 cost more because of tickets, wrecks or theft? Thanks for any help!
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post #2 of 27 (permalink) Old 04-16-2007, 08:42 PM
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Ultimate, you only pay $85??? Who are you going through?
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post #3 of 27 (permalink) Old 04-16-2007, 08:45 PM
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the Cost difference will be the Engine Displacement,

for me when I bought it:

38
No Accidents/Tickets etc in 18 years

full coverage:

100/300/50

Uninsured Motorist
Medical
Comp
Coll
Theft

$250 deductible:

$157/ month times 9 month rolling: $1420 year.

Effective last Friday I received a discount - "vehicle classification change" ???

not sure what that means but my policy changed to $97 per month or $875 per year.

if I went with California minimum coverage, then it's like $25 a month..
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post #4 of 27 (permalink) Old 04-16-2007, 08:58 PM
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I pay $804.26 a year for the SRT with 50/100/50, full coverage with $500 deductible. The insurance company never asked what model other than it was a Chrysler 300. Also, I am 39y/o, married, children and accident and ticket free.

300SRT8
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post #5 of 27 (permalink) Old 04-16-2007, 09:04 PM
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Quote:
Originally Posted by Ultimatecarman45 View Post
They usually go by the VIN number so you can't lie to them. But you are getting a great rate.
I didn't know that, thanks. If only they knew my real driving habits .
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post #6 of 27 (permalink) Old 04-16-2007, 09:22 PM Thread Starter
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Cool, thanks for the info guys!
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post #7 of 27 (permalink) Old 04-16-2007, 10:06 PM
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My SRT is about $500 a yr for full coverage, 50/500 deductables. Drive Ins. from Progressive. Oddly enough, the C was pretty much the same rate as the SRT. No tickets in many years (knock on wood!) and married so I imagine that helps. No senior discount though!
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post #8 of 27 (permalink) Old 04-16-2007, 10:10 PM
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I have full coverage on 30/15/25 or something of the like. That's over $200 a month, and it REALLY sucks not being over 25 yet!
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post #9 of 27 (permalink) Old 04-16-2007, 11:02 PM
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Quote:
Originally Posted by bamboo View Post
Not to meddle in personal affairs, but what ballpark do most of you pay monthly for the V8 Chrysler 300? I'm 32, no accidents or tickets in 9 years, and am considering getting one when my lease is up. Does the V8 cost more because of tickets, wrecks or theft? Thanks for any help!
Besides the obvious things like driving record and age, another huge factor in insurance rates is where you live - - therefore it's really of little value to you to know what my insurance cost is, since I don't live where you do. I have $500 deductible on my comprehensive and collision, and 100k/300k liability limits, and my 300C is $252.00 for 6 months, or about $42 a month. I'm 43 with only 1 ticket in the last 3 years. I think I could safely say that if I lived in Los Angeles instead of North Idaho my rates would be substantially higher, even with the same driving record and liability limits. Another thing many people don't realize is your credit rating also is a big factor in your insurance rates. The higher your credit score, the lower your insurance rates. Just like lenders, insurance companies figure people with excellent credit are a better risk and likely more responsible people than those with poor credit.

I would advise you to call your agent and ask him for a ballpark for a 300C before you buy one; it would be a nasty surprise to get the car and then find out you can't afford the insurance!
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post #10 of 27 (permalink) Old 04-17-2007, 01:55 AM
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So, am i the only A$$hole paying 220+ a month!?!?!??!?!!
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