2002 Chrysler PT Cruiser Car Insurance Quotes – 5 Tips for Cheapest Rates

Searching for the cheapest insurance coverage rates for your Chrysler PT Cruiser? Are you sick and tired of robbing Peter to pay Paul to insure your Chrysler every month? You are no different than many other drivers. Companies like Geico, 21st Century and Progressive continually bombard you with fancy advertisements and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers should take time to take a look at other company’s rates every six months because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for PT Cruiser insurance last year there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the fastest way to lower your rates without sacrificing coverage.

The fastest way that we advise to compare car insurance rates is to understand car insurance companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is provide information like the type of vehicles you drive, if you lease or own, the ages of drivers, and if a SR-22 is required. Your details is then submitted to many different companies and you will receive price estimates with very little delay.

Companies offer discounts so take them!

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to reduce the price significantly. Most are applied at the time of purchase, but some may not be applied and must be asked for before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Passive Restraints and Air Bags – Cars that have air bags may earn rate discounts up to 30%.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.

It’s important to note that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

For a list of insurance companies offering car insurance discounts, follow this link.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you will benefit from professional help.

  • When can I cancel my policy?
  • Can I afford to buy a different vehicle if my 2002 Chrysler PT Cruiser is totaled?
  • I have health insurance so do I need medical payments coverage?
  • What is the rate difference between pleasure use and commuting?
  • Is there coverage for injuries to my pets?
  • How can I force my company to pay a claim?
  • How do I buy GAP insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Why does it cost so much to insure a teen driver?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. They all make an identical promise that you’ll save big if you change to their company.

How do they all make the same claim?

Different companies can use profiling for the right customer that makes them money. A good example of a preferred risk could be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who are not a match for this ideal profile must pay a more expensive rate and ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s why companies can make those claims.

This illustrates why drivers must compare many company’s rates. Because you never know the company that will fit your personal profile best.

Auto insurance coverages

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft, rock chips in glass, hitting a bird and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, prosthetic devices, ambulance fees, dental work and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your PT Cruiser resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch, sideswiping another vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Liability

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. 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 policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Shop Smart and Save

When shopping online for insurance coverage, do not buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits only to regret at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at an affordable rate.

The cheapest 2002 Chrysler PT Cruiser insurance can be found from both online companies in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance coverage companies do not provide online quoting and these small insurance companies work with independent agents.

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