Cheaper 2001 Chrysler PT Cruiser Car Insurance Quotes

Consumers have a choice when looking for the best price on Chrysler PT Cruiser insurance. You can either waste hours contacting agents to compare prices or use the internet to make rate comparisons.

There is a better way to shop for insurance coverage so you’re going to learn the quickest way to quote coverages for a new or used Chrysler and find the cheapest rates from local insurance agents and online providers.

It is always a good idea to compare prices occasionally because insurance rates change quite often. Even if you got the best rates on PT Cruiser coverage a year ago there may be better deals available now. So just forget all the misinformation about insurance coverage because it’s time to teach you the quickest way to lower your annual insurance bill.

The quickest method to get policy rate comparisons takes advantage of the fact almost all companies allow for online access to give you rate quotes. All you need to do is spend a couple of minutes providing details including if you lease or own, whether or not you need a SR-22, if you are currently licensed, and driver ages. Your rating data is then sent to insurance companies and you receive quotes very quickly.

To compare rates now, click here and enter your zip code.

Discounts are great for lower rates

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for before you get the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Driver Safety – Completing a driver safety course could save 5% or more depending on where you live.
  • Resident Student – Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on PT Cruiser coverage.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.

It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

Car insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts may not apply in every state.

Chrysler PT Cruiser rate determination is complex

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes some of the factors companies use to determine rates.

  • Older drivers save more – Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teenage drivers have a tendency to be less responsible when behind the wheel therefore insurance rates are much higher.
  • Traffic violations increase rates – Even one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. If you have flagrant violations like DUI or reckless driving may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Pleasure use or commuting – Driving more miles every year the higher your rates will be. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated PT Cruiser can result in significantly higher rates. Double check that your insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • Do you need those extra coverages? – There are quite a few additional coverages that you can buy on your insurance policy. Things like personal injury protection, towing coverage and term life insurance are examples of these. They may seem good when talking to your agent, but if they’re wasting money remove them from your policy.
  • Pay less if you’re married – Having a wife or husband can actually save you money when buying insurance. Having a spouse translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • High credit ratings translate to low rates – Your credit score is a big factor in calculating your insurance rates. So if your credit rating is lower than you’d like, you could be paying less to insure your 2001 Chrysler PT Cruiser by spending a little time repairing your credit. People with good credit tend to be more responsible than those with poor credit.

You may need specialized coverage

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • What is roadside assistance coverage?
  • What if I total my 2001 Chrysler PT Cruiser and owe more than it’s worth?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Which is better, split liability limits or combined limits?
  • Do I need replacement cost coverage?
  • Is pleasure use cheaper than using my 2001 Chrysler PT Cruiser to commute?
  • When should I drop full coverage on my 2001 Chrysler PT Cruiser?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Parts of your insurance policy

Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – Collision coverage covers damage to your PT Cruiser resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, crashing into a ditch, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage – Liability coverage can cover damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like emergency aid, bail bonds, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like EMT expenses, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, theft, hitting a bird and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

The bottom line

Insureds who switch companies do it for a number of reasons such as delays in paying claims, lack of trust in their agent, an unsatisfactory settlement offer and even high rates after DUI convictions. It doesn’t matter what your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Discount 2001 Chrysler PT Cruiser insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

We just covered some good ideas how you can reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company.

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