Lower Your 2009 Chrysler PT Cruiser Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Chrysler PT Cruiser? There isn’t anyone who is fond of buying insurance coverage, in particular when it costs too dang much.

Multiple car insurance companies compete for your business, and it can be difficult to compare rates and get the best coverage at the lowest price

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is not that difficult. But consumers must learn how insurance companies determine prices because it can help you find the best coverage.

Compare insurance rates

When comparison shopping, there are several ways to get quotes from different insurance companies. The easiest way by far to compare 2009 Chrysler PT Cruiser insurance prices consists of shopping online. It’s really quite simple and can be done in a couple of different ways.

  1. If you are pressed for time, the simplest way to find low rates is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate quote forms for each company. One simple form gets you price quotes from insurance companies with the best prices.
  2. A slightly less efficient method to find more affordable insurance consists of visiting each company website and request a quote. For example, we’ll pretend you want to compare prices for Auto-Owners, Progressive and American Family. To do that, you would have to go to every website to enter your coverage information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming way to price shop rates to each insurance agency near you. Doing it all online reduces the need to sit down with an agent unless you’re the type of person who wants the professional guidance that you can only get from talking to an agent. It is possible with some companies price shop your coverage online but buy the policy through an agent.

Compare rates however you want, just be sure to compare apples-to-apples deductibles and coverage limits for every company. If you enter different values for each quote it will be next to impossible to make a fair rate comparison. Just slight variations in coverage limits may result in large price differences. Keep in mind that making a lot of price comparisons will improve the odds of getting more affordable insurance. Not every company does price estimates online, so it’s important to also get prices from them, too.

Components of your Chrysler PT Cruiser insurance premiums

Many factors are taken into consideration when quoting car insurance. Some factors are common sense such as traffic violations, but other criteria are not as apparent like your continuous coverage or how financially stable you are.Consumers need to have an understanding of the rating factors that help calculate your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you big savings.

  • Prices may be higher where you live – Having an address in smaller towns and rural areas of the country can be a good thing when shopping for auto insurance. City drivers regularly have traffic congestion and longer commutes to work. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • Bundle policies and save money – Most major insurance companies will award discounts for people that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to confirm you are receiving the best rates possible. It’s possible to still save even more by splitting coverages up.
  • Male rates may be higher – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men cause fender benders at a similar rate, but the male of the species cause more damage. Men also receive more major tickets like driving under the influence (DUI).
  • Older drivers save more – Older people are viewed as being more responsible, cost insurance companies less in claims .Teenage drivers are statistically proven to be easily distracted when driving therefore insurance coverage rates are much higher.
  • Long commutes cost more – Driving a lot of miles every year the higher your rate. Many insurance companies price each vehicle’s coverage based on their usage. Cars not used for work or commuting receive lower rates than vehicles that have high annual mileage. Improper usage on your PT Cruiser may be wasting your money. Double check that your declarations sheet shows the proper vehicle usage, because improper ratings can cost you money.
  • Your vocation may affect prices – Jobs such as real estate brokers, business owners and dentists have higher premiums than the average policyholder because of intense work-related stress and incredibly demanding work hours. On the flip side, careers such as farmers, athletes and performers have lower than average premiums for PT Cruiser insurance.
  • Pay less with a high crash test rating – Vehicles with good safety scores can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means your insurance company pays less and more competitive rates for policyholders. If your Chrysler PT Cruiser has 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 may be receiving a better rate.
  • Accidents mean higher premiums – Careful drivers have lower premiums than their less careful counterparts. Having a single ticket can bump up the cost twenty percent or more. Drivers who get flagrant tickets such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.

Save money with discounts

Companies that sell car insurance don’t list all possible discounts very well, so the list below gives a summary of a few of the more common and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for lower prices on the low mileage vehicles.
  • Multiple Policy Discount – When you have multiple policies and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Discounts for Multiple Vehicles – Buying insurance for several vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Cautious Driver Discount – Accident-free drivers can pay as much as 50% less for PT Cruiser insurance compared to rates paid by drivers with frequent claims.
  • Anti-lock Brake System – Vehicles that have anti-lock braking systems prevent accidents and earn discounts up to 10%.

Consumers should know that many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and some of their more popular discounts are included below.

  • American Family may offer discounts for defensive driver, multi-vehicle, Steer into Savings, bundled insurance, air bags, good driver, and early bird.
  • State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, driver’s education, passive restraint, anti-theft, and student away at school.
  • 21st Century offers premium reductions for theft prevention, driver training, automatic seat belts, air bags, anti-lock brakes, student driver, and defensive driver.
  • Travelers has discounts for new car, save driver, early quote, IntelliDrive, and multi-policy.
  • Geico may include discounts for military active duty, daytime running lights, driver training, defensive driver, seat belt use, and five-year accident-free.

When getting a coverage quote, ask every prospective company to apply every possible discount. Depending on the company, some discounts may not be offered in your area. To find insurance companies with discount rates, click here.

What is the best insurance coverage coverage?

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if your situation may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I have newly-aquired coverage?
  • Does my insurance cover a custom paint job?
  • Is business property covered if stolen from my car?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by auto insurance companies.

Liability coverages

Liability insurance can cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, loss of income, emergency aid and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, scraping a guard rail, sideswiping another vehicle, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chrysler PT Cruiser.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for ambulance fees, pain medications, X-ray expenses and surgery. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, damage from a tornado or hurricane, damage from flooding, falling objects and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Power to the consumer

There are still a few companies who may not have rate quotes online and usually these smaller companies only sell through independent insurance agencies. Affordable 2009 Chrysler PT Cruiser insurance is attainable from both online companies as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed collision coverage only to find out that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best price.

We’ve covered a lot of techniques to lower your 2009 Chrysler PT Cruiser insurance prices. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

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