Cheap 2005 Chrysler PT Cruiser Car Insurance Rates

Trying to find cheaper insurance coverage rates for your Chrysler PT Cruiser? Nobody I know looks forward to paying for insurance coverage, in particular when their premiums are through the roof.

Because you have many insurance coverage companies to choose from, it is very difficult to locate the right insurance company.

It’s smart to compare rates periodically since insurance rates are usually higher with each renewal. Even if you got the lowest price for PT Cruiser coverage last year you can probably find a better price now. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to quote online to get good coverage at a lower rate.

Pieces of the Chrysler PT Cruiser insurance rate puzzle

Smart consumers have a good feel for the factors that help determine the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

The following are some of the items companies use to determine premiums.

  • Teen drivers pay high rates – Teenage drivers are known to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a young driver onto your auto insurance can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Multi-policy discounts can save money – Many auto insurance companies will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to verify if the discount is saving money.
  • Big city or small town – Being located in a small town can be a good thing when insuring your vehicles. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have much more traffic to deal with and a longer drive to work. Higher commute times can result in more accidents.
  • Safe vehicles cost less to insure – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates. If your Chrysler PT Cruiser scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Liability coverage is cheap – Liability coverage is the protection if you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Pleasure use saves money – Driving more miles in a year’s time the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Improper usage on your PT Cruiser can cost quite a bit. Double check that your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Don’t get talked into coverage you don’t need – There are quite a few extra bells and whistles that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don’t need them remove them from your policy.
  • Tickets mean higher rates – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than their less careful counterparts. Only having one speeding ticket can bump up the cost by twenty percent. Drivers who have dangerous citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.

Compare the Market for Auto Insurance

There are multiple methods to compare 2005 Chrysler PT Cruiser auto insurance prices but some are less labor-intensive and much quicker. You could waste time talking to agents in your area, or you can utilize the internet for quick rates.

Most of the best insurance companies take part in a program where insurance shoppers enter their policy data once, and each company can provide price quotes based on the submitted data. This saves time by eliminating quotation requests to each company.

To get comparison pricing now click here to start a free quote.

The one downside to doing it this way is you are unable to specify which insurance companies to get pricing from. So if you want to select specific providers for rate comparison, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you are comparing the exact same coverage limits and deductibles with every price quote. If you have different limits and deductibles on each one it will be very difficult to make a fair comparison for your Chrysler PT Cruiser. Slightly different insurance coverages may result in a large different in cost. Just remember that comparing a large number of companies provides better odds of finding the best rates.

Discounts on Chrysler PT Cruiser insurance

Companies that sell car insurance don’t always advertise all their discounts very clearly, so we break down both well-publicized and also the lesser-known savings tricks you should be using.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Chrysler could be rewarded with discounted rates on garaged vehicles.
  • Driver Safety – Taking a course in driver safety can save you 5% or more if you qualify.
  • Club Memberships – Affiliation with a qualifying organization may earn a discount on insurance for PT Cruiser coverage.
  • Homeowners Discount – Owning a home can save you money because maintaining a house demonstrates responsibility.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.

Keep in mind that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies that possibly offer these discounts are:

Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if you might need professional guidance.

  • Why do I only qualify for high-risk insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if hit by an uninsured driver?
  • Does my 2005 Chrysler PT Cruiser qualify for pleasure use?
  • I don’t drive much so do I pay less?
  • How do I insure my teen driver?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Liability coverage – Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like attorney fees, bail bonds, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as doctor visits, surgery, rehabilitation expenses, funeral costs and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, vandalism and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Feed the piggy bank

The cheapest 2005 Chrysler PT Cruiser insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these smaller companies work with independent agents.

We just covered a lot of ways to shop for insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with the smaller companies. These companies often have lower prices on specific markets compared to the large companies like Geico and State Farm.

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