2002 Chrysler PT Cruiser Insurance Quotes – 6 Tricks for Cheapest Rates

Nobody that owns a car looks forward to buying auto insurance, especially when they are paying too much.

Big companies like Allstate and Progressive constantly blast consumers with ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Buying car insurance is not rocket science. Although drivers need to learn the way companies price online insurance and use this information to your advantage.

Compare quotes for auto insurance

There are several ways of comparing rate quotes from different insurance companies. The best way to find competitive Chrysler PT Cruiser insurance rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

If you are pressed for time, the simplest way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This style of form keeps you from doing separate forms for each company. One quote request compares rates from many national carriers.
A less efficient way to get comparison quotes is to take the time to go to the website of each company and go through the quote process again. For example, we’ll pretend you want to compare Liberty Mutual, State Farm and Progressive. To find out each rate you need to visit each site and punch in your information repeatedly, which is why most consumers use the first method. To view a list of companies in your area, click here.

The method you choose is up to you, but do your best to use the same quote information for every company. If the quotes have different values for each quote then you won’t be able to truly determine the lowest rate. Even a minor difference in insurance coverages can result in a big premium difference. Keep in mind that getting more free quotes gives you a better chance of getting more affordable insurance.

When to get professional advice

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine whether or not you may require specific advice.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Do I need motorclub coverage?
How do I insure my teen driver?
How much liability coverage do I need in my state?
Should I file a claim if it’s only slightly more than my deductible?
If my 2002 Chrysler PT Cruiser is totaled, can I afford another vehicle?
Are rock chip repairs covered?
Will my vehicle be repaired with OEM or aftermarket parts?
Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverage specifics

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, hospital visits, dental work, surgery and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance

This can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like medical services, structural damage, court costs, funeral expenses and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, rock chips in glass, theft and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Chrysler PT Cruiser.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.