Save on 2006 Chrysler PT Cruiser Insurance Rates

Want the cheapest insurance rates for your Chrysler PT Cruiser? Are you drained from trying to scrape together enough money to keep your car insured? You’re in the same situation as many other consumers. Lots of insurers contend to insure your vehicles, so it can be very hard to choose a insurance company to discover the definitive lowest rate

It’s smart to do rate comparisons yearly because insurance prices tend to go up over time. Even if you think you had the best deal for PT Cruiser insurance a few years ago a different company probably has better premium rates today. Ignore everything you know about insurance because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

Are you qualifying for every discount?

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be specifically requested before they will apply. If you don’t get every credit you qualify for, you are throwing money away.

  • Defensive Driving Course – Taking a course in defensive driver is a good idea and can lower rates depending on where you live.
  • Accident Waiver – but a few companies such as Allstate and State Farm will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Save with a New Car – Insuring a vehicle that is new can cost up to 25% less because newer vehicles are generally safer.
  • Mature Driver Discount – If you’re over the age of 55, you may qualify for a slight reduction on a insurance coverage quote for PT Cruiser insurance.
  • No Accidents – Insureds with no claims or accidents pay much less when compared to drivers with a long claim history.
  • Home Ownership Discount – Owning a house can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Early Signing – Select companies give a discount for signing up early. You could save around 10% when you buy insurance coverage online.
  • Military Discounts – Being deployed in the military may qualify for rate reductions.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your policy.
  • Bundled Policy Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.

Please keep in mind that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think all those discounts means the company will pay you, that’s just not realistic.

To find insurers that offer discounts, click here to view.

Compare insurance coverage price quotes online

Most major insurance companies like Progressive, Allstate and Geico allow consumers to get price estimates from their websites. The process is possible for anyone as you simply type in your coverage information into the form. When complete, the company’s rating system pulls information on your driving record and credit history and returns a price quote. Online price quotes makes it a lot easier to compare rates but the time required to go to different websites and enter the same data into a form is repetitive and time-consuming. But it’s necessary to perform this step in order to find the best price on insurance coverage.

The quickest way to find better insurance coverage pricing uses one form to obtain quotes from several different companies. It saves time, reduces the work, and makes rate comparisons a lot less work. Once the form is submitted, your coverage is rated and you can choose any or none of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase coverage. This process only takes a few minutes and could lower your rates considerably.

To compare pricing, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you type in your coverages as close as possible to your current policy. Doing this guarantees you are getting rate quotes based on the exact same insurance coverage.

How to lower your insurance costs

Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other criteria are not quite as obvious such as your marital status or your commute time.

  • No claims equals lower prices – Car insurance companies award cheaper rates to policyholders who are not frequent claim filers. If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Annual mileage impacts premiums – Driving more miles each year the higher the price you pay to insure it. Most insurance companies charge to insure your cars based upon how much you drive. Cars that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. It’s a good idea to make sure your declarations sheet correctly shows the correct usage, because it can save money. Improper usage on your PT Cruiser may be wasting your money.
  • Physical damage deductibles – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Chrysler. Some examples of claims that would be covered are a broken windshield, damage caused by hail, and having your car stolen. Your deductibles define the amount you are required to spend out-of-pocket if the claim is covered. The more expense you are required to pay out-of-pocket, the better rate you will receive for PT Cruiser insurance.
  • Vocation stress can make you pay more – Careers such as military personnelairline pilots and miners tend to have higher rates than average because of high stress levels and lots of time spent at work. On the flip side, occupations like farmers, engineers and homemakers pay lower than average rates for PT Cruiser insurance.
  • Married drivers get better prices – Having a significant other can actually save you money when buying auto insurance. Having a significant other demonstrates that you tend to be less irresponsible and insurance companies like that drivers who are married file infrequent claims.
  • How’s your driving record? – Attentive drivers tend to pay less for car insurance compared to bad drivers. Just one ticket can increase the cost of insurance by as much as twenty percent. People who have careless tickets such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive a vehicle.
  • Do safer cars cost less to insure? – Safe vehicles cost less to insure. Safe vehicles protect occupants better and lower injury rates translates directly to fewer claims and thus lower rates. If your Chrysler PT Cruiser earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Rural areas have lower costs – Being located in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims. People who live in big cities regularly have more auto accidents and longer commute times. More time on the road translates into higher accident risk.

When in doubt talk to an agent

When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine whether or not you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • Should I waive the damage coverage when renting a car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • When does my teenage driver need to be added to my policy?
  • Can I drive in Mexico and have coverage?
  • Is pleasure use cheaper than using my 2006 Chrysler PT Cruiser to commute?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Car insurance ads are enticing

Consumers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and Geico. They all make the same claim that drivers can save some big amount if you switch to their company.

How is it possible that every company can give you a better price? This is how they do it.

All companies quote the lowest rates for the type of driver that will be a good risk. For example, a driver they prefer could be over the age of 40, has a low-risk occupation, and does not commute to work. Anyone that matches those criteria receive the lowest rate quotes and will also save quite a bit of money when switching.

Drivers who fall short of the ideal profile may receive a higher rate which results in the customer not buying. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save that much money. That’s the way companies can state the savings. This emphasizes why you should get a wide range of price quotes. It’s just too difficult to predict which car insurance company will give you the biggest savings.

Auto insurance coverages

Knowing the specifics of car insurance can be of help when determining which coverages you need for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb, rolling your car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage, fire damage and rock chips in glass. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like pain and suffering, funeral expenses and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, ambulance fees and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2006 Chrysler PT Cruiser.

Since many 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.

Quote more, save more

A few companies may not provide the ability to get quotes online smaller companies sell through local independent agencies. Budget-conscious 2006 Chrysler PT Cruiser insurance is attainable both online and from local agencies, and you need to comparison shop both to get a complete price analysis.

When shopping online for insurance, never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced physical damage coverage and discovered at claim time that it was a big error on their part. The goal is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

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