Cheap 2010 Chrysler PT Cruiser Insurance Rates

Trying to find the cheapest insurance rates for your Chrysler PT Cruiser? Are you drained from paying out the nose to keep your car insured? You are in the same boat as many other consumers. Big-name insurance companies like Geico, Progressive and Allstate constantly bombard you with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

It’s important to get comparison quotes periodically because insurance rates fluctuate regularly. Even if you got the lowest premium rates on PT Cruiser coverage on your last policy you may be paying too much now. There are lots of tips to save on insurance online but by reading this article, you’re going to learn some guaranteed methods to quit paying high insurance rates.

If you have a current auto insurance policy or are looking for a new policy, you can learn to cut your premiums while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to learn the proper way to get comparison rates online.

Affordable insurance price quotes online

Effectively comparing insurance prices can be a lot of work if you don’t utilize the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get prices fast.

Most major companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company can give them a price for coverage. This saves time by eliminating quote requests for each company you want a rate for.

To compare rates now click to open in new window.

The one downside to using this type of system is you cannot specify the providers to get pricing from. If you would rather choose from a list of companies for rate comparison, we have a page of companies who write insurance in your area. Click here to view list.

How you compare quotes is your choice, just make sure you compare equivalent coverage information with each company. If you enter different data it’s not possible to find the best deal for your Chrysler PT Cruiser.

Can you really save if you switch?

Consumers can’t get away from ads for insurance savings by companies like State Farm, Geico and Progressive. They all make the point that drivers will save a bundle if you move your insurance coverage to their company.

How do they all give you a lower rate? It’s all in the words they use.

All the different companies offer their best rates for the driver that is profitable for them. For instance, a preferred risk could be over the age of 45, has no prior claims, and drives a vehicle with a low ISO rating. A customer getting a price quote who fits that profile will most likely get cheap rates and will pay quite a bit less when switching companies.

Drivers who may not quite match these stringent criteria will have to pay higher premium rates with the end result being the customer not purchasing. If you pay attention, the ads say “people who switch” not “all people who quote” save that much when switching. This is how insurance companies can make the claims of big savings.

This really illustrates why drivers must get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest rates.

What determines Chrysler PT Cruiser insurance rates?

Lots of factors are considered when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but some are less obvious like your continuous coverage and annual miles driven.

The factors shown below are some of the major factors used by your company to calculate your rate level.

  • Do you know your comp and collision deductibles? – Deductibles for physical damage represent how much money you are willing to pay before your car insurance pays a claim. Insurance for physical damage, aka comp and collision, insures against damage to your car. Examples of some claims that would be covered could be colliding with a stationary object, fire damage, and damage caused by road hazards. The more damage repair cost the insured is willing to pay, the less your car insurance will be on PT Cruiser coverage.
  • Alarm systems lowers car insurance rates – Buying a car with a theft deterrent system can save you a little every year. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.
  • Liability protection preserves assets – Liability coverage will provide protection if a jury decides you are liable for an accident. Your liability coverage provides legal defense coverage to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Credit rating impacts premiums – Having a bad credit score is likely to be a major factor in calculating your premium rate. If your credit score is lower than you’d like, you could pay less to insure your 2010 Chrysler PT Cruiser by spending a little time repairing your credit. People with very high credit ratings tend to be more responsible than those with bad credit.
  • Too many insurance claims drive up prices – If you file claims often, you can expect higher premiums or even policy non-renewal. Auto insurance companies provide the best rates to drivers who are not frequent claim filers. Insurance coverage is intended for the large, substantial claims.
  • Lower rates come with age – Mature drivers have been proven to be more responsible, are lower risk to insure and receive fewer citations.Youthful drivers are proven to be more careless in a vehicle and because of this, their car insurance rates are much higher.

These discounts can cut insurance rates

Some providers don’t list every policy discount in an easy-to-find place, so the following list contains both the well known and the more hidden credits that may apply to you. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.

  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • Telematics Devices – Drivers that enable their insurance company to study driving patterns through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they are good drivers.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can save as much as half off their rates on PT Cruiser coverage than their less cautious counterparts.
  • Resident Student – who are attending college and leave their car at home can receive lower rates.
  • Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
  • More Vehicles More Savings – Drivers who insure multiple cars or trucks on one policy can get a discount for every vehicle.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a lower insurance rate if you buy a life policy as well.
  • Low Mileage Discounts – Driving less could be rewarded with cheaper premium rates.

Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think you could get a free insurance policy, insurance companies aren’t that generous.

The best insurance companies and their possible discounts can be found below.

  • State Farm may include discounts for driver’s education, safe vehicle, multiple policy, Drive Safe & Save, and accident-free.
  • American Family has discounts for accident-free, good student, good driver, multi-vehicle, TimeAway discount, mySafetyValet, and Steer into Savings.
  • AAA may have discounts that include good student, pay-in-full, multi-policy, multi-car, anti-theft, AAA membership discount, and good driver.
  • Geico offers discounts for emergency military deployment, driver training, daytime running lights, anti-lock brakes, five-year accident-free, multi-policy, and anti-theft.
  • Mercury Insurance offers discounts including accident-free, type of vehicle, ease of repair, good driver, location of vehicle, age of vehicle, and low natural disaster claims.
  • Farmers Insurance includes discounts for alternative fuel, youthful driver, early shopping, good student, and mature driver.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, multi-policy, homeowner, multi-vehicle, online quote discount, and good student.

If you need cheap auto insurance quotes, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not be offered in your area.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine if you may require specific advice.

  • Why is insurance for a teen driver so high?
  • What discounts do I qualify for?
  • Is upholstery damage covered by car insurance?
  • Does insurance cover tools stolen from my truck?
  • Am I covered when delivering products for my home-based business?
  • Is my cargo covered for damage or theft?
  • Is my ex-spouse still covered by my policy?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, funeral costs, EMT expenses, prosthetic devices and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t 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. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like structural damage, funeral expenses, repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield, damage from flooding, rock chips in glass and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler PT Cruiser.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

This covers damage to your PT Cruiser resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Don’t break the bank

Some insurance providers may not provide the ability to get quotes online and usually these small, regional companies sell through independent agencies. Budget-conscious 2010 Chrysler PT Cruiser insurance can be purchased from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

We just showed you a lot of ways to lower your 2010 Chrysler PT Cruiser insurance prices. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the best price on car insurance is with a smaller regional carrier. These companies often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

For more information, feel free to visit the resources below: