Cheaper 2003 Chrysler PT Cruiser Insurance Cost

Want cheaper insurance rates for your Chrysler PT Cruiser? I can’t think of a single person who likes having to buy insurance, especially when the price is too high. Online insurance companies like Geico, 21st Century and Progressive increase brand awareness with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should take the time to compare rates every six months because prices change regularly. Even if you got the best price on PT Cruiser insurance a couple years back there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance online but by reading this article, you’re going to learn some tested techniques to quit paying high insurance rates.

Comparison of Auto Insurance

There are several ways to shop for Chrysler PT Cruiser auto insurance, but some are easier and takes less work. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use the internet to get prices fast.

Many companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company provides a quote based on the submitted data. This saves time by eliminating quote requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, make absolute certain that you use identical quote information on every quote. If the quotes have higher or lower deductibles you can’t possibly determine which rate is truly the best.

What coverages do I need?

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might help in determining if your situation may require specific advice.

• Why does it cost so much to insure a teen driver?
• Which companies will insure high-risk drivers?
• Are split liability limits better than a combined single limit?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I buy only the required minimum liability coverage?
• How does medical payments coverage work?
• Do I need replacement cost coverage?
• Should I put collision coverage on all my vehicles?
• What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Comprehensive insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane, theft, damage from getting keyed and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – This protects you from damage or injury you incur to other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, repair costs for stationary objects, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chrysler PT Cruiser.

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 a good idea.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, EMT expenses, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, sideswiping another vehicle, rolling your car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.