How Much Does 2007 Chrysler PT Cruiser Insurance Cost?

Looking for the cheapest car insurance rates for your Chrysler PT Cruiser? Tired of paying out the nose to insure your Chrysler every month? You are no different than most other car owners. Because there are so many insurance providers from which to choose, it is very difficult to locate the lowest cost car insurance company.

Take advantage of discounts

Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Chrysler could qualify for a substantially lower rate.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Multi-policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Club Memberships – Participating in certain professional organizations could trigger savings when buying insurance coverage for PT Cruiser coverage.

It’s important to understand that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies that may offer these benefits include:

Check with each insurance company what discounts are available to you. Some discounts might not apply in every state.

The easiest way to compare rates is to take advantage of the fact car insurance companies have advanced systems to provide you with a free rate quote. The only thing you need to do is give them some information such as if your license is active, how much you drive, level of coverage desired, and how old drivers are. Your information is then submitted to multiple companies and they return rate quotes with very little delay.

To check rates for your 2007 Chrysler PT Cruiser, click here and complete the form.

Lesser-known factors impacting Chrysler PT Cruiser insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Proper usage rating affects rates – The higher the mileage driven in a year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle. If your policy improperly rates your PT Cruiser may be costing you.
  • Older drivers pay less – Teen drivers are known to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Don’t buy coverages you don’t need – There are many add-on coverages that you can get tricked into buying on your PT Cruiser policy. Coverages for rental car reimbursement, accidental death and motor club memberships are examples of these. They may seem good initially, but if you don’t need them eliminate them to save money.
  • More people means more accidents – Choosing to live in a rural area can save you money when it comes to car insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Chrysler PT Cruiser scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Pay less after the wedding – Having a wife or husband helps lower the price on your policy. It usually means you are more responsible it has been statistically shown that married couples file fewer claims.
  • Do you qualify for a multi-policy discount? – Most insurers give discounts to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.

How to know if you need help

When choosing adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation would benefit from professional advice.

  • Is my cargo covered for damage or theft?
  • Why am I required to buy liability insurance?
  • Exactly who is provided coverage by my policy?
  • Why am I required to buy high-risk coverage?
  • When should my teen driver be added to my policy?
  • Can I get a multi-policy discount?
  • Are split liability limits better than a combined single limit?
  • Do I need to file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 2007 Chrysler PT Cruiser?
  • When should I drop full coverage on my 2007 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 a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Do drivers who switch really save $387 a year?

Drivers can’t get away from ads for cheaper car insurance by Progressive, Geico, Allstate and State Farm. All the companies make the same claim that you can save if you switch to their company.

How can each company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the type of customer that is profitable for them. For example, a preferred risk could be between 30 and 50, has no driving citations, and has excellent credit. A customer who matches those parameters gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile will be charged higher prices which leads to business not being written. The ads state “drivers who switch” not “everybody who quotes” save money. This is how companies can truthfully make the claims of big savings. That is why you absolutely need to get a wide range of price quotes. It’s not possible to predict which company will provide you with the cheapest Chrysler PT Cruiser insurance rates.

Auto insurance coverage options for a 2007 Chrysler PT Cruiser

Having a good grasp of auto insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as emergency aid, loss of income and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

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

Collision coverage protects against things like hitting a parking meter, damaging your car on a curb, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from a tornado or hurricane, fire damage and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like nursing services, ambulance fees and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Be Smart and Buy Smart

We covered a lot of information how to compare 2007 Chrysler PT Cruiser insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the best price on insurance coverage is with an unexpected company. They may cover specific market segments cheaper compared to the large companies like Progressive or Geico.

Cheaper insurance is possible from both online companies and with local insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

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