View 2004 Chrysler PT Cruiser Car Insurance Rates

Price shopping your auto insurance is always nearly impossible for consumers not familiar with buying insurance online. You have so many options that it can be a challenge to compare prices.

The purpose of this post is to familiarize you with how to get online quotes and some money-saving tips. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Nevertheless, car owners can benefit by having an understanding of how insurance companies market insurance on the web and apply this information to your search.

Discounts can save BIG

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specially asked for prior to receiving the credit.

  • No Accidents – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Senior Discount – Older drivers can possibly qualify for better insurance rates for PT Cruiser insurance.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for PT Cruiser insurance depending on your company.
  • Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies aren’t that generous. Any qualifying discounts will reduce your premiums.

Car insurance companies who might offer these benefits include:

It’s a good idea to ask each company how you can save money. All car insurance discounts might not be offered in every state.

How to Get Insurance

There are a lot of ways you can shop for insurance but some are more efficient than others. You could spend the better part of a day talking to insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each company can provide price quotes for coverage. This eliminates the need for repetitive form submissions to each company.

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

The one disadvantage to pricing coverage this way is you don’t know exactly the insurers you want to price. If you would rather choose specific providers to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using identical deductibles and coverage limits for each comparison quote. If you enter mixed coverages you can’t possibly decipher which rate is best. Quoting even small variations in limits can result in a big premium difference. And when price shopping your coverage, getting more free quotes will increase your chances of finding a lower rate.

Will just any policy work for me?

When it comes to buying the best car insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might point out whether you may require specific advice.

  • When should I drop full coverage on my 2004 Chrysler PT Cruiser?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • What is medical payments coverage?
  • When would I need additional glass coverage?
  • Do I have coverage when using my vehicle for my home business?
  • How much liability coverage do I need in my state?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Specifics of your car insurance policy

Learning about specific coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for nursing services, rehabilitation expenses, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, damage from flooding, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix damage to your PT Cruiser resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox, crashing into a ditch, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2004 Chrysler PT Cruiser.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Be a money saver!

Consumers leave their current company for a number of reasons such as denial of a claim, delays in paying claims, policy non-renewal or high prices. Regardless of your reason for switching companies, finding a new auto insurance company is pretty easy and you might even save some money in the process.

When you buy insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price.

Cheap 2004 Chrysler PT Cruiser insurance can be purchased online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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