View 2005 Chrysler PT Cruiser Car Insurance Quotes

Did a good deal turn into an underperforming, overpriced insurance coverage policy? It’s a common feeling and there are many consumers feeling the pinch from expensive insurance coverage.

Popular companies such as Allstate and Progressive constantly blast consumers with ads and it is challenging if not impossible to sift through the bull and find the best price available.

Compare insurance quotes online

When looking for low cost car insurance quotes, there are a couple ways to obtain and compare prices from many available insurance companies in your state. By far the easiest way to find cheaper 2005 Chrysler PT Cruiser rates is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

  • Experts agree that the best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form prevents you from having to do repetitive form entry for each company you want a rate for. In just a few minutes this one form will get you rate comparisons instantly.
  • Another way to compare rate quotes is to take the time to go to the website of each company to request a price quote. For examples sake, we’ll pretend you are doing a rate comparison from Progressive, Safeco and Geico. In order to get each rate, you would have to go to every website and enter your information, which can get old fast.

    For a list of companies in your area, click here.

How you compare quotes is your choice, just make sure you are using the exact same quote data on every price quote you get. If you have mixed coverages then you won’t be able to determine which rate is truly the best. Just slight variations in insurance coverages or limits could mean much higher rates. Keep in mind that comparing more rates from different companies helps increase your odds of locating a lower rate.

What insurance coverages do I need?

When buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Do I need special endorsements for business use of my vehicle?
  • Does my insurance cover a custom paint job?
  • Do I need replacement cost coverage?
  • What is the difference between comprehensive and collision coverage?
  • Is pleasure use cheaper than using my 2005 Chrysler PT Cruiser to commute?
  • Am I better off with higher deductibles on my 2005 Chrysler PT Cruiser?
  • Do I need an umbrella policy?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, hitting a deer, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like doctor visits, chiropractic care, surgery, prosthetic devices and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chrysler PT Cruiser.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability coverages

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like pain and suffering, medical expenses, legal defense fees, medical services and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Collision insurance

Collision insurance covers damage to your PT Cruiser caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, backing into a parked car, crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.