Save on 2003 Chrysler PT Cruiser Insurance Rates

Trying to find better auto insurance rates for your Chrysler PT Cruiser? Paying for high-priced Chrysler PT Cruiser insurance can consume your accounts and force you to make tough financial choices. Performing a rate comparison is a fast and free way to tighten up your finances.

You have multiple car insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

It’s smart to compare prices before your policy renews because auto insurance rates are usually higher with each renewal. Just because you found the best deal for PT Cruiser coverage on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the things you must know in order to save on auto insurance.

How to get low cost auto insurance

The majority of larger companies such as Allstate, Geico and Progressive make it easy to get price estimates direct online. Getting quotes can be done by anyone as you just enter into a form. After you complete the form, the company’s rating system obtains your credit score and driving record and quotes a price based on the data you entered. Online price estimates makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible in order to get the lowest auto insurance rates.

Keep reading for an easier way to compare prices

The quickest way to lower your auto insurance bill uses one simple form to get prices from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much simpler. As soon as the form is sent, it is quoted and you are able to buy any one of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process takes just a few minutes to complete and may result in a nice savings.

To quickly find out what other companies charge, click here and complete the simple form. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This way, you will get a fair comparison for the exact same coverage.

You may qualify for discounts

Companies that sell car insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If you don’t get every credit you deserve, you’re paying more than you need to.

• Save over 55 – Drivers that qualify as senior citizens may qualify for better insurance rates for PT Cruiser coverage.
• Life Insurance Discount – Larger companies have a small discount if you purchase a life policy as well.
• Onboard Data Collection – Insureds who allow their insurance company to analyze where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Drivers Education – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
• Student in College – who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
• Government Employees – Simply working for the federal government could qualify for a slight premium decrease for PT Cruiser coverage with some insurance companies.
• Buy New and Save – Insuring a vehicle that is new can save you some money compared to insuring an older model.

One thing to note about discounts is that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

Popular insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm has savings for student away at school, anti-theft, defensive driving training, good driver, and Drive Safe & Save.
• American Family offers discounts including early bird, mySafetyValet, good student, bundled insurance, Steer into Savings, and defensive driver.
• Geico policyholders can earn discounts including anti-lock brakes, membership and employees, emergency military deployment, federal employee, and good student.
• 21st Century includes discounts for early bird, good student, air bags, theft prevention, and student driver.
• Progressive discounts include multi-vehicle, continuous coverage, homeowner, good student, online quote discount, online signing, and multi-policy.

If you are trying to find the cheapest auto insurance quotes, ask each insurance company which discounts they offer. Some credits may not apply in your area.

There’s no such thing as the perfect insurance policy

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining whether you could use an agent’s help.

• Does coverage extend to my business vehicle?
• What is an SR-22 filing?
• Is rental equipment covered for theft or damage?
• Are my friends covered when driving my car?
• Does car insurance cover theft of personal property?
• I have a DUI can I still get coverage?
• Do I have any recourse if my insurance company denies a claim?
• Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance 101

Knowing the specifics of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Collision protection

Collision coverage pays for damage to your PT Cruiser resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chrysler PT Cruiser.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, hitting a bird, rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This coverage will cover damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, medical services, emergency aid and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as chiropractic care, doctor visits, pain medications, ambulance fees and dental work. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay