2004 Chrysler PT Cruiser Car Insurance Rates – 10 Savings Tips

Scraping up a payment for high-priced Chrysler PT Cruiser insurance can stress out your monthly budget and maybe even restrict other spending.

Insurance companies such as Geico, Progressive and Allstate constantly bombard you with catchy ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. Buying car insurance is not that difficult. But vehicle owners do need to learn the way companies price online insurance and apply this information to your search.

Low cost auto insurance

Many insurance companies like Allstate and Progressive make it easy to get insurance quotes from their websites. Doing online price comparisons is very simple as you just enter your coverage information on the page. After the form is submitted, the system collects your driving record and credit report and returns a price quote determined by many factors. Online price estimates simplifies rate comparisons, but the time it takes to visit a lot of sites and type in the same data is a waste of time. But it’s very important to have as many quotes as possible in order to get lower prices.

There is a better way!

The easiest way to find cheaper rates uses one simple form to obtain quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes quoting online much simpler. As soon as you send your information, it is rated and you can select any one of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To find out what other companies charge, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages as shown on your current policy. Doing this guarantees you will get rate comparison quotes based on identical coverages.

Save money with these ten discounts

Companies don’t list all possible discounts very well, so we researched both well-publicized as well as the least known credits available to you. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

  • Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
  • Discount for Good Grades – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Senior Discount – Mature drivers may receive lower premium rates for PT Cruiser insurance.
  • Data Collection Discounts – Drivers who elect to allow driving data submission to look at their driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
  • Safe Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% for PT Cruiser insurance compared to rates paid by drivers with frequent claims.
  • Discount for Low Mileage – Low annual miles may allow you to get substantially lower premium rates.
  • Government Employee Discount – Federal government employees could provide a small rate reduction for PT Cruiser insurance depending on your company.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
  • Defensive Driver Discounts – Completing a defensive driving course can save you 5% or more and also improve your driving technique.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life policy as well.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

Companies and some of the premium reductions they offer can be found below.

  • Geico may include discounts for emergency military deployment, anti-theft, daytime running lights, federal employee, membership and employees, and air bags.
  • MetLife includes discounts for good student, good driver, multi-policy, accident-free, and claim-free.
  • Progressive offers discounts including homeowner, online signing, continuous coverage, multi-policy, multi-vehicle, and good student.
  • Travelers policyholders can earn discounts including good student, home ownership, early quote, IntelliDrive, continuous insurance, and multi-policy.
  • SAFECO offers premium reductions for anti-lock brakes, accident prevention training, drive less, anti-theft, teen safe driver, teen safety rewards, and bundle discounts.
  • AAA may offer discounts for good student, AAA membership discount, pay-in-full, multi-car, and anti-theft.

If you need lower rates, check with all companies you are considering which discounts they offer. Some credits may not be offered in your area. To find car insurance companies who offer free car insurance quotes, click here to view.

What is the best insurance coverage?

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I need replacement cost coverage on my 2004 Chrysler PT Cruiser?
  • When should my teen driver be added to my policy?
  • Where can I find high-risk insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • What are the best liability limits?
  • How do I insure my teen driver?
  • When should I buy a commercial auto policy?
  • What are the financial responsibility laws in my state?
  • Is my nanny covered when driving my vehicle?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions then you might want to talk 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.

Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive coverage

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

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, hail damage and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

This will cover damages or injuries you inflict on other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage, legal defense fees, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like hospital visits, funeral costs, ambulance fees and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

Collision coverage pays for damage to your PT Cruiser resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Be Smart and Buy Smart

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed full coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at a price you can afford.

Budget-friendly insurance coverage can be bought both online as well as from independent agents, so you need to shop insurance coverage with both so you have a total pricing picture. There are still a few companies who do not provide rate quotes online and these smaller companies prefer to sell through local independent agencies.

More tips and info about insurance coverage can be found by following these links: