Lower Your 2008 Chrysler PT Cruiser Insurance Rates

Searching for low-cost insurance for your Chrysler PT Cruiser can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the absolute fastest way to compare rates for a new or used Chrysler and find the lowest possible price either online or from local insurance agents.

It’s smart to price shop coverage before your policy renews since prices are variable and change quite frequently. Despite the fact that you may have had the best deal for PT Cruiser insurance a few years ago you will most likely find a better rate today. You can find a lot of information about insurance coverage out there, but in just a couple of minutes you can learn the best ways to lower your insurance coverage premiums.

Choosing the best insurance company for you is quite easy. If you are insured now or are shopping for new coverage, you can use this information to find the best rates and still get good coverage. Vehicle owners just need to learn how to find the lowest price over the internet.

Car insurance policy discounts

Insurance can be prohibitively expensive, but there may be some discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but a few must be asked about before being credited. If you check and find you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Drive Less and Save – Low annual miles could be rewarded with cheaper rates.
  • Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for PT Cruiser insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Policy Bundle Discount – When you combine your homeowners and auto insurance and place coverage with the same company you will save at least 10 to 15 percent or more.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% for PT Cruiser insurance than their less cautious counterparts.
  • Own a Home and Save – Just owning your own home can earn you a little savings because it shows financial diligence.

It’s important to understand that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

If you would like to see a list of insurance companies with significant discounts, click here.

What determines Chrysler PT Cruiser insurance prices?

The best way to find cheaper insurance coverage is to take a look at some of the elements that play a part in calculating your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find lower rates.

Shown below are a few of the things utilized by car insurance companies to help set your prices.

  • Low stress employer equals lower prices – Did you know your insurance coverage rates can be affected by your occupation? Jobs like lawyers, social workers and miners have the highest rates attributed to intense work-related stress and long work days. On the other hand, careers like professors, athletes and the unemployed receive lower rates for PT Cruiser insurance.
  • Physical damage deductibles are a factor – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if a claim is determined to be covered. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of covered claims could be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more of the claim the insured has to pay upfront, the lower your rates will be for PT Cruiser insurance.
  • Cut prices and deter theft – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft and help lower rates.
  • Get married and get better premiums – Your spouse helps lower the price on your insurance coverage bill. Having a significant other is viewed as being more mature and insurance companies like that drivers who are married file infrequent claims.
  • Gaps in coverage mean higher premiums – Having a lapse in insurance coverage is a sure-fire way to increase your insurance coverage rates. And not only will insurance be more expensive, getting caught without coverage could earn you a steep fine or even jail time.
  • Stay claim-free and save – If you are a frequent claim filer, you should expect much higher rates or policy non-renewal. Car insurance companies generally give most affordable rates to insureds that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Combine policies and save money – Some insurers allow better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you already get this discount, consumers should still comparison shop to make sure you are getting the best deal. You may still be able to save money by buying insurance from more than one company.
  • Drive a safer car and pay less – Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce injuries and reduced instances of injuries means less claims paid which can result in lower premiums.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.

For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • What is no-fault insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • When would I need rental car insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Which is better, split liability limits or combined limits?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage options for a 2008 Chrysler PT Cruiser

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for X-ray expenses, EMT expenses, rehabilitation expenses, pain medications and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Coverage for liability

Liability coverage can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

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 values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like structural damage, loss of income, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Auto collision coverage

This pays for damage to your PT Cruiser resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a deer, a broken windshield and rock chips in glass. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chrysler PT Cruiser.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

A tidy conclusion

When getting car insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, drivers have reduced full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at the best price and still be able to protect your assets.

We just showed you many ways to shop for 2008 Chrysler PT Cruiser insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest prices come from the smaller companies.

People leave their current company for many reasons like unfair underwriting practices, delays in paying claims, denial of a claim and even an unsatisfactory settlement offer. Whatever your reason, finding a great new company can be pretty painless.

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