2010 Chrysler PT Cruiser Insurance Quotes – 7 Tips for Cheaper Rates

Are you confused by the wide range of insurance coverage company choices? You have a lot of company. People have so many choices that it can quickly become a real challenge to find the best price.

Cut your insurance coverage rates with these seven discounts

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few must be asked about in order for you to get them.

  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Use Seat Belts – Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Resident Student – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for PT Cruiser coverage than drivers with accident claims.
  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.

Companies that possibly offer these discounts include:

Check with each company which discounts they offer. Savings might not apply in your state.

Comprehensive Insurance Coverage Comparison Quotes

All the larger insurance coverage companies like Progressive, Allstate and Geico provide pricing online. Getting quotes is fairly straightforward as you simply type in your personal and coverage information as detailed in the form. Behind the scenes, their system will order your driving record and credit report and returns a price quote based on these factors.

Being able to quote online makes it a lot easier to compare rates but the work required to visit several different sites and type in the same information gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest insurance coverage rates.

A more efficient way to find cheaper rates uses one simple form to get prices from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes online quotes much simpler. As soon as the form is sent, your coverage is rated and you can select any one of the returned quotes.

If you find a better price you can simply submit the application and buy the policy. This process just takes a couple of minutes and you will find out if you’re overpaying now.

In order to find out what other companies charge, click here and complete the simple form. To compare your current rates, we recommend you enter the insurance coverages as shown on your current policy. This makes sure you will receive rate quotes based on similar coverages.

You are unique and your insurance should be too

When choosing coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help you determine if your insurance needs may require specific advice.

  • Do I have newly-aquired coverage?
  • Is motorclub coverage worth it?
  • When would I need rental car insurance?
  • Is my 2010 Chrysler PT Cruiser covered for flood damage?
  • Am I covered if my car is in a flood?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Can switching companies really save?

Companies like Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. All the ads make an identical promise of big savings if you switch to their company. How does each company claim to save you money?

All companies are able to cherry pick for the driver they prefer to insure. For example, a desirable insured could possibly be between 25 and 40, has no driving citations, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Drivers who do not match the “perfect” profile will be charged higher premiums which leads to business not being written. The ads state “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can claim big savings.

That is why drivers should get as many comparisons as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Chrysler PT Cruiser insurance rates.

Car insurance coverages for a 2010 Chrysler PT Cruiser

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage

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

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler PT Cruiser.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, hitting a bird and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, repair costs for stationary objects, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as X-ray expenses, hospital visits, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

A tidy conclusion

Low-cost 2010 Chrysler PT Cruiser insurance can be found online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are many occasions where someone dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

People who switch companies do it for any number of reasons including poor customer service, policy non-renewal, delays in paying claims or unfair underwriting practices. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Helpful learning opportunities